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Tax Planning
RMD Strategies: How to Stop the IRS From Setting Your Retirement Income
By Gerard Ladalardo·Jul 29, 2026· 6 min read
At age 73, the IRS starts dictating how much you have to pull out of your retirement accounts each year. If you don't, the penalty is brutal — 25% of the shortfall.
Plan Backwards from 73
The best RMD strategy starts 10 years before you turn 73. Roth conversions, qualified charitable distributions (QCDs), and strategic withdrawal sequencing can dramatically shrink the RMDs you'll be forced to take later.
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