{"id":1291,"date":"2025-11-14T07:51:46","date_gmt":"2025-11-14T11:51:46","guid":{"rendered":"https:\/\/dinergywealth.com\/blog\/?p=1291"},"modified":"2026-03-23T14:19:03","modified_gmt":"2026-03-23T18:19:03","slug":"lets-talk-now-so-you-can-enjoy-the-holidays-required-minimum-distributions","status":"publish","type":"post","link":"https:\/\/dinergywealth.com\/blog\/lets-talk-now-so-you-can-enjoy-the-holidays-required-minimum-distributions\/","title":{"rendered":"Let\u2019s Talk Now So You Can Enjoy the Holidays: Required Minimum Distributions"},"content":{"rendered":"

Every year around this time, I start having the same conversation with a lot of folks:\u00a0\u201cJoe, do I really have to take my RMD this year?\u201d<\/em>\u00a0And the answer, as much as I\u2019d love to sugarcoat it, is yes \u2014 the IRS doesn\u2019t make exceptions just because you\u2019re busy with pumpkin pies and travel plans.<\/p>\n

Here\u2019s the thing: Required Minimum Distributions (RMDs) can sneak up on you faster than Christmas decorations at the grocery store. If you\u2019re 73 or older (or you inherited a retirement account), the clock is ticking to take those distributions before year-end \u2014 or face a hefty penalty. And trust me, nothing ruins a perfectly good New Year\u2019s Eve like realizing you owe a 25% excise tax because the RMD slipped through the cracks.<\/p>\n

That\u2019s why I like to get ahead of it now. We can look at your accounts, calculate exactly what needs to come out, and figure out the smartest way to handle it \u2014 whether that\u2019s taking it in cash, transferring it to a taxable account, or even using it for charitable giving through a Qualified Charitable Distribution (QCD).<\/p>\n

Here\u2019s what you can do\u00a0before<\/em>\u00a0the holiday rush hits:<\/p>\n

    \n
  1. Confirm your total RMD amount.<\/strong>
    \nDifferent accounts mean different rules \u2014 and the math isn\u2019t always simple. Let\u2019s get the right number early.<\/li>\n
  2. Decide how you want to take it.<\/strong>
    \nA lump sum? A few smaller payments? There\u2019s flexibility here, and planning ahead gives you options.<\/li>\n
  3. Think about taxes.<\/strong>
    \nRMDs count as taxable income. We\u2019ll make sure your withholding and estimated payments line up so April doesn\u2019t bring any surprises.<\/li>\n
  4. Explore giving options.<\/strong>
    \nIf charitable giving is on your list this year, a QCD from your IRA might be the most tax-efficient way to do it \u2014 and it counts toward your RMD.<\/li>\n<\/ol>\n

    The goal here isn\u2019t just checking another box for the IRS. It\u2019s making sure your money keeps working for you \u2014 and that you can enjoy the holidays without worrying about deadlines or penalties.<\/p>\n

    Let\u2019s handle your RMD now, so when December rolls around, your biggest decision is eggnog or hot chocolate.<\/p>\n

    Please contact us through the contact page HERE<\/a>, directly to Joe Lind at jlind@dinergywealth.com<\/a> or call Joe at 513-878-0195. Remember, we focus on growth – done CONFIDENTLY.<\/p>\n","protected":false},"excerpt":{"rendered":"

    Every year around this time, I start having the same conversation with a lot of folks:\u00a0\u201cJoe, do I really have to take my RMD this year?\u201d\u00a0And the answer, as much as I\u2019d love to sugarcoat it, is yes \u2014 the IRS doesn\u2019t make exceptions just because you\u2019re busy with pumpkin pies and travel plans. Here\u2019s […]<\/p>\n","protected":false},"author":3,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","_oasis_is_in_workflow":0,"_oasis_original":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2}},"categories":[12],"tags":[],"class_list":["post-1291","post","type-post","status-publish","format-standard","hentry","category-financial-preparedness"],"yoast_head":"\nLet\u2019s Talk Now So You Can Enjoy the Holidays: Required Minimum Distributions - DinergyWealth Blog<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/dinergywealth.com\/blog\/lets-talk-now-so-you-can-enjoy-the-holidays-required-minimum-distributions\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Let\u2019s Talk Now So You Can Enjoy the Holidays: Required Minimum Distributions - DinergyWealth Blog\" \/>\n<meta property=\"og:description\" content=\"Every year around this time, I start having the same conversation with a lot of folks:\u00a0\u201cJoe, do I really have to take my RMD this year?\u201d\u00a0And the answer, as much as I\u2019d love to sugarcoat it, is yes \u2014 the IRS doesn\u2019t make exceptions just because you\u2019re busy with pumpkin pies and travel plans. 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