How to Reduce RMDs Before Age 73 !

Brad Pistole explains effective strategies to reduce Required Minimum Distributions (RMDs) and minimize taxes in retirement. He highlights five key approaches: Roth conversions before age 73 to shrink taxable IRA balances, strategic early withdrawals to stay in lower tax brackets, Qualified Charitable Distributions (QCDs) for tax-free giving, delaying Social Security to optimize income timing, and contributing to a Roth 401(k) if still working. Brad emphasizes the risks of missing RMD deadlines and the long-term tax benefits of proactive planning. His clear, actionable advice helps retirees keep more of their savings while avoiding costly IRS penalties.