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What Issues Should I Consider When Reviewing My RMD?

Updated 12/1/2024

RMDs (Required Minimum Distribution) are often an inconvenience to our clients. The timing, amount, and tax consequences associated with RMDs might run the risk of throwing a wrench in our clients’ financial plans, but it doesn’t have to be that way. That’s where you step in.

With your help, clients will have a better understanding of what options they have at their disposal when managing their RMDs in relation to their financial situation.

This checklist covers important factors a client needs to know when reviewing their RMDs, such as:

  • Having a clearer understanding about how they are taking their RMDs (e.g., timing, amount, where it is being sent, etc.).
  • Being more deliberate about how they use RMDs that are in excess of what they need for living expenses (e.g., reinvest, bolster emergency fund, etc.).
  • Coordinating their RMDs with other investment, charitable, and/or tax planning goals.

Click here for a client-facing email template. And make sure to check out the Deliverable tab.

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What Issues Should I Consider When Reviewing My RMD?
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