IRA or 401(k) plan administrators usually just quote the lowest RMD and the latest start age (70½), the lowest taxable distribution at the latest possible age. Often this is not the most tax-wise method to take distributions while satisfying the required minimum distribution rules. QPC will allow you to propose the 72t options and select the life-table that makes the most sense for your client. You may just want to start things off by showing what the actual regular RMD will look like and have a discussion about how they can negative mpact their tax status in retirement.

RMDs could be your problem more than your client’s problem! If you wait too long to discuss RMDs, your client could lose flexibility and you could lose the ability to present alternatives.

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