RMDs Explained: How, When & Why They Matter
On this week's episode of THE FINANCIAL COMMUTE, Financial Planning Advisor Brittany Yudkowsky joins Chris to talk about RMD planning.
• Required Minimum Distributions (RMDs) must start by age 73.
• Strategies like Roth conversions can be used before reaching RMD age to reduce future taxable distributions.
• After age 70½, individuals can donate up to $108,000 (2025 limit) directly from their IRA to charity, reducing taxable income.
• Making large contributions to a donor-advised fund in high-income years can offset the tax impact of RMDs or Roth conversions.
• In the first year, you can…
The skinny
The skinny isn't ready yet — notes appear once the transcript is processed.