What Are the Best Strategies for Reducing RMDs?

Are you worried that required minimum distributions (RMDs) could force unnecessary taxable income and shrink your hard-earned retirement savings? In this episode of Retirement Answers, Jacob Duke explains when RMDs become a real problem, offers a quick rule of thumb based on how much you hold in tax-deferred accounts, and walks through five ways to reduce future RMDs.👉 Book a call with me: https://www.rivertreewealth.com/get-started✅ Get your Important Numbers 2025 PDF here: https://www.rivertreewealth.com/2025-important-numbersEmail: [email protected]: https://www.rivertreewealth.comLinkedIn: https://www.linkedin.com/in/jacobdukeJacob Duke, CFP, MBA is the founder of Rivertree Wealth and the host of the Retirement Answers podcast.DISCLAIMER: This should not be taken as tax, legal, or investment advice. All content is for educational purposes only.00:00 Retirement Rule Frustrations00:51 When RMDs Become a Problem03:10 Gap Years Tax Planning03:33 Asset Location Strategy08:40 Roth Conversions Explained13:32 Delay Social Security Benefits18:40 QCDs for Charitable Giving21:22 Spend More Before RMDs25:40 Wrap Up