When most people begin seriously thinking about retirement, their employer provided traditional 401(k) is oftentimes their largest asset. Saving to a traditional 401(k) or IRA is a great way to build a nest egg for retirement. However, as our friend Ed Slott frequently says, there’s a retirement savings tax time bomb that can blow up your retirement if you’re not careful. A big part of that time bomb is Required Minimum Distributions, so we’re going to outline a few strategies for how to reduce your RMDs.
Retirement Plan Checklist: [ Ссылка ]
Retirement Plan Checklist: [ Ссылка ]
Timestamps:
00:00 – Introduction
01:55 – RMDs Before & After Retirement
03:30 – 5 Ways to Reduce RMDs
04:21 – Roth Conversions
07:18 – Qualified Charitable Distributions
08:15 – Tax Reduction Strategies
08:39 – Top Three Reasons to Consider RMDs Before Retiring
09:33 – Strategic Account Management
15:15 – Delaying Social Security
18:30 – Qualified Longevity Annuity Contract
19:57 – Bonus Strategy
21:00 – What Did We Learn Today
Understanding SECURE 2.0 with Ed Slott: [ Ссылка ]
Pros and Cons of Converting to a Roth IRA: [ Ссылка ]
Rules for Inherited IRA Distributions: [ Ссылка ]
Considering RMDs Before and After Retirement: [ Ссылка ]
Asset Allocation vs. Tax Allocation: [ Ссылка ]
Maximizing Social Security Benefits: [ Ссылка ]
What Is a QCD?: [ Ссылка ]
Tax Rates Sunset in 2026 and Why that Matters: [ Ссылка ]
Start Planning: [ Ссылка ]
Schedule: [ Ссылка ]
Check out our other podcast!
The Guided Retirement Show: [ Ссылка ]
