{"id":2585,"date":"2022-01-28T14:27:05","date_gmt":"2022-01-28T19:27:05","guid":{"rendered":"https:\/\/www.thewealthguardians.com\/staging\/3023\/?p=2585"},"modified":"2022-01-28T14:27:05","modified_gmt":"2022-01-28T19:27:05","slug":"5-rmd-strategies-to-safeguard-your-retirement-maximize-your-legacy","status":"publish","type":"post","link":"https:\/\/www.thewealthguardians.com\/staging\/3023\/5-rmd-strategies-to-safeguard-your-retirement-maximize-your-legacy\/","title":{"rendered":"5 RMD Strategies to Safeguard Your Retirement, Maximize Your Legacy"},"content":{"rendered":"

<\/p>\"\"There was a lot of fuss back in 2011 when the first wave of Baby Boomers turned 65.\n

Baby Boomers hold 54% percent of all U.S. household wealth and account for almost 50% percent of consumer spending \u2014 and yet many were winging it as they moved into retirement. An average of 10,000 people turn 65 every day in the U.S., and despite warnings, many are moving on unprepared.<\/p>\n

Those first-wave Boomers? They\u2019re now 72 years old and have a new wrinkle to contend with: required minimum distributions (RMDs).<\/p>\n

Just as a lack of planning can affect your portfolio and your future, a seat-of-the-pants approach to your RMDs could end up costing money in penalties, taxes and loss of income. But there are strategies that can help you preserve your hard-earned savings. Here are a few:<\/p>\n

1. Educate yourself.<\/h3>\n

A lot of the people we sit down with don\u2019t understand how RMDs work \u2014 how to calculate them, when to take them or the best way to take them. At 72, you must start taking your RMD. The required withdrawal starts at about 3.65%, and that percentage goes up every year.<\/p>\n

There are a few exceptions. For example, if you\u2019re still working past the age of 72 and you have a retirement plan with that employer, you don\u2019t have to take the RMD on that account until you actually retire. But if you have other accounts, you must take it on those.<\/p>\n

2. Don\u2019t wait until November or December to take your RMD.<\/h3>\n

Just as many people put off doing their taxes until April, many delay taking their RMDs until the end of the year. The problem with that is if the stock market is down in November or December, you\u2019ll end up selling investments in a down market, and that can hurt you over time. A better way is to take the RMD over the course of the year using dividends and interest. If, for instance, you have an account that\u2019s paying 4%, you can use that rather than relying on the market to go up.<\/p>\n

3. Consider purchasing a retirement annuity with an income benefit rider to protect against longevity.<\/h3>\n

Let\u2019s face it: Uncle Sam is determined to get the tax money you never paid because you had an IRA. The longer you live, the harder he tries, using those increasing RMD percentages. If your money is in stocks or a mutual fund, you could end up draining that down to zero when you may need it most. But if you purchase a retirement income annuity inside your IRA, you\u2019ll still have that money coming in every single year.<\/p>\n

4. Purchase a universal life insurance policy to maximize your legacy.<\/h3>\n

What if you don\u2019t need your RMD to live your life? Some people are fortunate; having to withdraw that RMD money is actually a burden to them. They don\u2019t want to have to take it out and pay more taxes. You can\u2019t avoid taxes on your RMD, but you can direct that RMD to purchase a universal life insurance policy to maximize your legacy. So even if you\u2019re drawing down your IRA over time, you can redirect the money and build it back up with a life insurance policy. Ultimately, you can convert a taxable account into a tax-free benefit.<\/p>\n

Another strategy is to use a qualified longevity annuity contract (QLAC) to minimize your RMD exposure. You can set aside up to $125,000 or 25% of your IRA value, whichever is smaller, and you don\u2019t have to take the RMD from that amount until you reach 85. It\u2019s a good way to defer the taxes on that money if you don\u2019t need it, and it will provide an income stream when you\u2019re older and may need it for long-term care or other expenses.<\/p>\n

5. Make sure to work with a financial planner who is well-versed in retirement income planning to put together a tangible plan.<\/h3>\n

Here\u2019s where a lot of people fail. Perhaps you\u2019re still using the adviser you chose when you were in the accumulation phase of life. But in retirement, you need someone who can help you figure out the best way to take your income and maximize your accounts annually. Calculating your RMD each year is a complicated matter, especially if you have several retirement accounts. The Wealth Guardians are the experts you trust can take you through it and make things a little less painful for you and your pocketbook.<\/p>\n

Our\u00a0Custom Retirement Paycheck Plan<\/em><\/strong><\/span><\/a>\u00a0shows how to protect your retirement from the risks of unexpected market swings, tax changes, and health care expenses using a mathematically tested strategy to create lifetime income allowing you to stop worrying about outliving your money and get on with enjoying the rest of your life.<\/p>\n

\"\"<\/a><\/p>\n

\n

>Click here to learn more<\/em><\/strong><\/span><\/a><\/p>\n<\/blockquote>\n

Give us a call at our Charlotte office at (704) 248-8549, or our Clemmons office at (336) 391-3409. Or, click here a no-cost, no-obligation meeting<\/strong><\/em><\/span><\/a>.<\/p>\n

\n

[SOURCES & ADDITIONAL DISCLOSURES]<\/strong><\/p>\n

Copyright \u00a9 2022 The Kiplinger Washington Editors. All rights reserved. Distributed by Financial Media Exchange.<\/em><\/p>\n<\/body>","protected":false},"excerpt":{"rendered":"

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