RMDs: Hidden Tax Trap and 4 Ways to Fight Back

RMDs (Required Minimum Distributions) can quietly erode your retirement savings if you’re not prepared. In addition, they can create additional taxation on your retirement savings if you. In this video, we break down how RMDs work, why they become more painful over time, and 4 strategic ways to reduce or eliminate their impact.

From Roth conversions and QCDs to smarter asset location and using the Joint Life Table, we’ll show you how to take control of your tax burden and protect your legacy.

Whether you’re years away from retirement or already taking RMDs, this video will give you tools to keep more of what you’ve earned. And planning ahead before it's too late is key.

📌 Chapters:
00:00 – Intro: The Retirement Tax Trap
02:00 – What Are RMDs and Why Do They Exist
03:43 – Why RMDs Get Worse With Time
05:31 – How RMDs Impact Medicare and Social Security
05:55 - RMDs and IRMAA
06:35 – RMDs and Your Heirs
07:25 – Strategy 1: ROTH Conversions
08:35 - Strategy 2: Qualified Charitable Distributions (QCDs)
09:50 - Strategy 3: Strategic Asset Locations
11:11 - Strategy 4: Join Life Table
11:51 – Final Thoughts & Call to Action

📞 Schedule a strategy call with our team to learn more about how RMDs may impact your retirement plan: https://www.clarkgroupam.com

Penn study regarding age of inheritance: https://budgetmodel.wharton.upenn.edu...

IRS RMD topics: https://www.irs.gov/retirement-plans/...




Disclaimer:
The Clark Group Asset Management is a registered investment adviser. The information discussed in these videos should NOT be taken as tax, legal, or investment advice. Please consult the appropriate professionals for each topic.

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