EPISODE · Oct 31, 2025 · 20 MIN
Required Minimum Distributions: The Halloween Special
from A Smarter Way To Retire with Tony Leonardi, CFP® · host Anthony Leonardi
Join Tony Leonardi, CFP® from Newtown, Connecticut, for aHalloween-themed deep dive into Required Minimum Distributions (RMDs). Recorded October 31, 2025, this episode unmasks common RMD mistakes, explains current rules, and reveals sweet strategies like Qualified Charitable Distributions.What You'll Learn:-2025 RMD rules: Age 73 for those born 1951-1959, age 75 for 1960+-Common mistakes that cost thousands (the double distribution trap, forgotten IRAs, inherited IRA changes)-How to calculate your RMD and why it increases each year-QCDs: Donate up to $108,000 tax-free to charity and satisfy your RMD-Roth conversion strategies to reduce future RMDs-The "first dollars out" rule and December 31st deadlinesCurrent Context:-25% penalty for missed RMDs (10% if corrected within 2 years)-Roth 401(k)s no longer require lifetime RMDs (as of 2024)-New inherited IRA rules take effect in 2025-QCD limit increased to $108,000 (indexed for inflation)Key Strategies:-Take first RMD by Dec 31 (not April 1) to avoid double distributions-Use QCDs before other withdrawals to maximize tax benefits-Convert to Roth between ages 59½-73 for tax savings-Aggregate IRA RMDs (but not 401(k) RMDs)Visit LeonardiFamilyWealthcare.com for the 2025 Retirement Reset Checklist with Probability of Success Meter, or book a complimentary consultation at LeonardiFamilyWealthcare.com/assessment.
What this episode covers
Join Tony Leonardi, CFP® from Newtown, Connecticut, for aHalloween-themed deep dive into Required Minimum Distributions (RMDs). Recorded October 31, 2025, this episode unmasks common RMD mistakes, explains current rules, and reveals sweet strategies like Qualified Charitable Distributions.What You'll Learn:-2025 RMD rules: Age 73 for those born 1951-1959, age 75 for 1960+-Common mistakes that cost thousands (the double distribution trap, forgotten IRAs, inherited IRA changes)-How to calculate your RMD and why it increases each year-QCDs: Donate up to $108,000 tax-free to charity and satisfy your RMD-Roth conversion strategies to reduce future RMDs-The "first dollars out" rule and December 31st deadlinesCurrent Context:-25% penalty for missed RMDs (10% if corrected within 2 years)-Roth 401(k)s no longer require lifetime RMDs (as of 2024)-New inherited IRA rules take effect in 2025-QCD limit increased to $108,000 (indexed for inflation)Key Strategies:-Take first RMD by Dec 31 (not April 1) to avoid double distributions-Use QCDs before other withdrawals to maximize tax benefits-Convert to Roth between ages 59½-73 for tax savings-Aggregate IRA RMDs (but not 401(k) RMDs)Visit LeonardiFamilyWealthcare.com for the 2025 Retirement Reset Checklist with Probability of Success Meter, or book a complimentary consultation at LeonardiFamilyWealthcare.com/assessment.
NOW PLAYING
Required Minimum Distributions: The Halloween Special
No transcript for this episode yet
Similar Episodes
No similar episodes found.
Similar Podcasts
No similar podcasts found.