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Resource Article
What’s required, what to watch for, and how QCDs may fit if you donate
If you’re here because you want to “do this right,” you’re in the right place. Below is a simplified walkthrough of the basics, common mistakes we see, and a charitable option some retirees ask about: Qualified Charitable Distributions (QCDs). This article is meant to be a clear starting point — not a full tax or legal analysis. RMD rules can vary by account type and individual circumstances, so the best next step is confirming what applies to your accounts and deadlines.
Rules snapshot
Start age
RMDs generally start at age 73 for many retirees (rules vary by situation).
Deadlines
Most years the deadline is Dec 31. Your first year may have a different timing option.
Why it matters
Missing an RMD can lead to IRS penalties, so it’s worth getting clarity and a clean process.
Prefer to talk it through?
If you want help confirming what applies to your accounts (and how to handle the “moving money” steps),
click either button below to schedule a phone call or in person appointment
Quick takeaways
Most visitors want three things: clarity on what’s required, confidence they won’t miss anything, and a simple way to execute.
1) What this is
RMDs are required withdrawals from certain retirement accounts once you reach the applicable age.
2) Where people get stuck
The “I have multiple accounts” problem — and the “I don’t know how to move the money correctly” problem.
3) One option to ask about
If you donate to charity, QCDs may be worth learning about as part of your plan (eligibility rules apply).
Common mistakes (and what to do instead)
These are the patterns we see most often — especially when accounts are spread out or the process feels unfamiliar.
Mistake #1: Forgetting an account
This happens when there’s an old plan, a smaller IRA, or multiple custodians.
Fix:
Create a simple “account map” and confirm what applies.
Mistake #2: Doing it without coordination
People often ask, “Which account should it come from?” That’s a smart question.
Fix:
Talk through a strategy so the withdrawal fits the bigger picture.
If you donate to charity, here’s something to know: QCDs
Many people donate each year and don’t realize there may be a way to coordinate giving with IRA withdrawals. QCDs are one option that may apply for some individuals (eligibility rules apply).
QCDs Simplified
A QCD is a way some IRA owners donate directly to a qualified charity. For eligible individuals, it may help coordinate charitable giving with IRA withdrawals. The details matter — so we keep the conversation simple and process-focused.
When people ask about it
“I already donate — I just want to make sure I’m doing this in a clean, intentional way.”
What we focus on
Clear steps, good documentation, and making sure nothing feels confusing.
Want help getting this organized?
If you’d like, James can help you confirm what applies to your accounts, talk through the steps, and answer QCD questions if charitable giving is part of your plan.
Disclosure: This material is for informational and educational purposes only and is not intended as tax, legal, or investment advice. Tax rules are complex and may change. Consider consulting with a qualified tax professional regarding your specific circumstances before taking action. Any strategies discussed may not be suitable for all individuals.
