Finance
RMDs Arent the Problem. Bad Tax Planning Is.
Date: 2026-06-07 11:45:23
Everyone treats required minimum distributions like a financial time bomb. For a lot of retirees, they’re not. An RMD is just the IRS handing you the bill for decades of tax deferral on money you were probably going to spend anyway. The real damage doesn’t come from RMDs themselves — it comes from never running the numbers until it’s too late.
📩 Want to talk through your RMD impact? I’m a licensed Investment Advisor Representative with LPL Financial. Find me here:
davewealthadventures@gmail.com
⏱ TIMESTAMPS
0:00 – RMD Intro
1:57 – What is an RMD
2:59 – The Scary Chart
3:45 – New Rules
4:33 – The 3S Test
6:16 – RMD Example
7:33 – Roth Conversions
8:25 – QCDs
9:42 – RMD Action Plan
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⚠️ DISCLAIMER
Dave is a licensed Investment Advisor Representative with LPL Financial. This video is for educational purposes only and is not personalized financial, tax, or investment advice. Your situation is unique — consult a qualified financial advisor or tax professional before making any decisions.
#RMD #RetirementPlanning #RetirementIncome
