RMDs, explained without the jargon.
Once you hit age 75, the IRS makes you start pulling money out of your traditional IRAs, 401(k)s, TSPs, and 403(b)s — whether you need it or not. Miss the deadline and the penalty is 25% of what you should have taken. We handle the math, the timing, and the tax coordination.
What you get
Starts at age 75 under SECURE Act 2.0
For anyone born in 1960 or later, RMDs now begin at age 75. Your first RMD is due by April 1 of the year after you turn 75 — every RMD after that is due by December 31.
The penalty is brutal
Miss an RMD and the IRS takes 25% of the shortfall (down to 10% if you fix it fast). We make sure that never happens.
Roth IRAs are exempt
Roth IRAs have no RMDs during your lifetime — one more reason Roth conversions in your 60s can be powerful. Roth 401(k)s also became RMD-free in 2024.
QCDs can zero out your tax bill
If you're charitably inclined, a Qualified Charitable Distribution (up to $108,000 in 2026) sends your RMD straight to charity — no income tax owed. We coordinate this every December.
One number, many accounts
You calculate an RMD for each IRA but can pull the total from any one of them. 401(k)s and TSPs each need their own withdrawal. We map it out so nothing is missed.
Inherited IRAs have their own rules
Most non-spouse beneficiaries now have to drain an inherited IRA within 10 years — and annual RMDs may apply along the way. We plan the drawdown to minimize the tax hit.
Who it's for
- Nevada retirees turning 75 in the next few years
- Anyone with a traditional IRA, 401(k), TSP, or 403(b) balance
- Federal retirees managing TSP withdrawals
- Beneficiaries who inherited an IRA and don't know the 10-year rule
- Retirees who want to use RMDs for charitable giving (QCDs)
Need more answers?
One conversation with a licensed Nevada advisor. No robocalls, no pressure — just a plan that fits.
Common questions
When exactly does my first RMD have to happen?
By April 1 of the year AFTER you turn 75. But if you wait until April, you'll owe two RMDs that year (last year's and this year's) — usually a bad tax move. Most people take the first one by December 31 of the year they turn 75.
How is the amount calculated?
Take your account balance on December 31 of the prior year and divide by an IRS life-expectancy factor for your age. At 75 the factor is 24.6, so roughly 4.1% of the balance. It grows each year as the factor shrinks.
Can I reinvest the RMD?
You can't put it back into a traditional IRA, but you can put it into a taxable brokerage account, a Roth IRA (if you have earned income), or fund a life-insurance or annuity strategy for your heirs. We often build a plan around exactly that.
What if I'm still working at 75?
You can generally delay RMDs from your CURRENT employer's 401(k) until you retire — but IRAs and old 401(k)s still require RMDs. We help decide whether rolling an IRA into your current 401(k) makes sense to defer.
Do you handle the withholding and paperwork?
Yes. We coordinate the withdrawal with your custodian, set federal tax withholding, and give you and your CPA the 1099-R summary at year-end.