#rmd #retirementplanning #retirementincome #wealthmanagement #financialadvisor #retiresmart | Jonathan Clark
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The RMD tax trap catches thousands of retirees off guard every year. At age 73, the IRS forces you to start pulling money from retirement accounts, whether you need it or not. And every dollar you withdraw counts as taxable income. That can mean higher tax brackets, increased Medicare premiums, and even taxes on your Social Security. The good news? You can plan ahead. Roth conversions, charitable distributions, and strategic asset placement can all help reduce the impact. The key is acting early
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