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The $90K RMD Shock (And How to Avoid It)

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You’ve spent decades saving for retirement… but then the IRS forces you to start withdrawing—whether you want to or not.

That’s called a Required Minimum Distribution (RMD), and if you’re not prepared, it can create a major tax surprise.

In this video, we break down:
• What RMDs are and when they start
• Why RMDs can push you into a higher tax bracket
• How one retiree’s $90,000 RMD triggered unexpected taxes
• Strategies that may help reduce the impact—like Roth conversions, QCDs, and smart withdrawal sequencing

The reality is, RMDs aren’t optional—but how you plan for them can make a big difference.

Download Our Workbook

We’ve put together a comprehensive workbook that walks through the ten most critical areas of retirement planning. After years of working with retirees and pre-retirees: there’s almost always at least one area they haven’t fully considered.

Maybe it’s understanding how much they can actually spend without running out of money. Maybe it’s realizing that their tax bill in retirement might be higher than they expect. Or maybe it’s discovering they could be leaving six figures on the table with their Social Security strategy.The workbook includes reflection questions, real case studies, and specific action steps you can take. It’s designed to help you identify where you’re on track and where you might need to focus more attention.

There’s no cost, no obligation, and no pressure. Just practical information to help you make better decisions about the retirement you’ve worked so hard for.

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