Built for households with $2M–$30M in assets.
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Act within 90 days

Required Minimum Distributions begin between age 72 and 75 — and the planning decisions you make before that birthday have decade-long tax consequences.

Your RMD start age depends on your birth year — 72, 73, or 75 under current law. For households with large tax-deferred balances, RMDs can push you into higher tax brackets, increase Medicare premiums, and create estate planning complexity. The Roth conversion window before RMDs begin is one of the highest-leverage planning opportunities available.

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What changes at the $2M–$30M level

RMDs from traditional IRAs and 401(k)s are taxable income in the year received
Large RMDs can push you into higher federal and state income tax brackets
IRMAA Medicare surcharges are triggered by income thresholds — RMDs can cross those thresholds
The Roth conversion window before RMDs begin (ages 72–75, depending on birth year) is often the lowest-tax period of your life
First-year RMDs can be deferred to April 1 of the following year — but creates a double-RMD year

Your action plan

Ordered by urgency. Items marked "Immediate" should be addressed within 60–90 days.

⚡ Immediate priority
1
Calculate your expected RMD amounts for your start age (72, 73, or 75)ImmediateWithin 30 days

Use the IRS Uniform Lifetime Table and your birth year to project when RMDs begin and how large they will be. For large tax-deferred balances, the amounts can be significant.

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2
Model Roth conversion opportunities before RMDs beginImmediateWithin 60 days

The gap between retirement and your RMD start age is often the lowest-tax period of your life. Converting tax-deferred assets now reduces future RMD burden.

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⏰ Within 90 days
3
Evaluate IRMAA exposure from projected RMDsWithin 90 daysWithin 90 days

Medicare Part B and D premiums increase at income thresholds. Large RMDs can trigger IRMAA surcharges of thousands per year.

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4
Decide whether to defer the first RMD to April 1Within 90 daysWithin 30 days

Deferring the first RMD creates a double-RMD year. For most households, taking it in the calendar year it's due is simpler.

📋 Within 6 months
5
Review estate planning implications of large RMD incomeWithin 6 months

Large taxable income from RMDs may affect your estate tax planning strategy and charitable giving opportunities.

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5-Question Assessment

How prepared are you for rmd start age?

Answer 5 questions and get a personalized readiness score with specific gaps identified.

1. Have you calculated your expected RMD amounts for your birth-year start age (72, 73, or 75)?
2. Have you evaluated Roth conversion opportunities before your RMDs begin?
3. Have you modeled IRMAA exposure from projected RMD income?
+ 2 more questions
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