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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.

If you want to take a more proactive approach to retirement income and taxes, we’ve created a Tax-Smart Retirement Workbook to help you think through the key decisions.

If you have questions or want help reviewing your situation, feel free to reach out—no cost, no obligation.

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⚠️ This content is for informational purposes only and should not be considered individualized financial or tax advice.