Financial advisors who specialize in RMD planning.
Required Minimum Distributions. Roth conversions in the pre-RMD golden window. Inherited IRA 10-year rule. QCD charitable giving. Medicare IRMAA planning. Matched with advisors who handle the retirement distribution phase.
RMDs are a high-stakes planning moment
The Required Minimum Distribution rules only kick in at age 73 (75 for those born 1960+). Miss one and the IRS penalty is 25% of the under-distribution. But the bigger planning question isn't avoiding penalties — it's minimizing the multi-decade tax cost of distributing tax-deferred wealth that's been compounding for 30-40 years.
- Roth conversion window. Between retirement and RMD age, most retirees are in their lowest tax bracket since young adulthood. Converting $50-200K/year from traditional IRA to Roth during this window can save $200K-$500K over a retirement.
- Inherited IRA 10-year rule. SECURE Act requires non-spouse beneficiaries to drain inherited IRAs within 10 years. Timing matters — wrong schedule pushes you into higher brackets.
- Qualified Charitable Distributions (QCDs). Once 70½, donate up to $105K/yr from IRA directly to charity — counts toward RMD, skips income entirely. Few advisors use this well.
- IRMAA surcharges. Higher income in retirement triggers $600-$5,000/year Medicare premium surcharges. RMD-induced income spikes require planning.
- Asset location. What to hold where across Roth, Traditional, Taxable, HSA becomes newly important when you start distributing.
Tools & guides
RMD Calculator
Calculate this year's RMD using the IRS Uniform Lifetime Table. Also shows projected RMDs over the next 10 years + lifetime tax impact if you do no conversions.
The Complete RMD & Retirement Distribution Guide
Full guide covering RMD calculation rules, Roth conversion windows, inherited IRA strategy, QCDs, and IRMAA-aware planning.
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