{"id":55,"date":"2026-10-04T09:00:00","date_gmt":"2026-10-04T09:00:00","guid":{"rendered":"https:\/\/www.seanpolley.com\/blog\/?p=55"},"modified":"2026-10-04T09:00:00","modified_gmt":"2026-10-04T09:00:00","slug":"how-to-calculate-rmds-required-minimum-distributions","status":"publish","type":"post","link":"https:\/\/www.seanpolley.com\/blog\/2026\/10\/04\/how-to-calculate-rmds-required-minimum-distributions\/","title":{"rendered":"How to Calculate RMDs (Required Minimum Distributions)"},"content":{"rendered":"<div class=\"roomvu-news-container\">\n<p>Required Minimum Distributions (RMDs) often raise questions for those with traditional IRAs and 401(k)s. Beginning at age 73, the IRS requires annual withdrawals, and missing even one can trigger steep penalties. Roth accounts, on the other hand, are exempt\u2014an important distinction for those looking to streamline their legacy or optimize post-retirement income. With my holistic family office approach, I often guide clients through strategies like Roth conversions or charitable gifting to ensure their wealth remains both compliant and resilient. Coordinating these moving parts is all about building a financial foundation that supports your long-term goals, so you can keep your focus where it matters most.<\/p>\n<p>\t<a class=\"roomvu-news-continue\" href=\"https:\/\/smartasset.com\/retirement\/how-to-calculate-rmd\"><\/p>\n<div>Continue to full article<\/div>\n<p>\t<\/a><\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Required Minimum Distributions (RMDs) often raise questions for those with traditional IRAs and 401(k)s. Beginning at age 73, the IRS requires annual withdrawals, and missing even one can trigger steep penalties. Roth accounts, on the other hand, are exempt\u2014an important distinction for those looking to streamline their legacy or optimize post-retirement income. With my holistic [&hellip;]<\/p>\n","protected":false},"author":362,"featured_media":56,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-55","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-latest-posts"],"_links":{"self":[{"href":"https:\/\/www.seanpolley.com\/blog\/wp-json\/wp\/v2\/posts\/55","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.seanpolley.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.seanpolley.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.seanpolley.com\/blog\/wp-json\/wp\/v2\/users\/362"}],"replies":[{"embeddable":true,"href":"https:\/\/www.seanpolley.com\/blog\/wp-json\/wp\/v2\/comments?post=55"}],"version-history":[{"count":1,"href":"https:\/\/www.seanpolley.com\/blog\/wp-json\/wp\/v2\/posts\/55\/revisions"}],"predecessor-version":[{"id":57,"href":"https:\/\/www.seanpolley.com\/blog\/wp-json\/wp\/v2\/posts\/55\/revisions\/57"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.seanpolley.com\/blog\/wp-json\/wp\/v2\/media\/56"}],"wp:attachment":[{"href":"https:\/\/www.seanpolley.com\/blog\/wp-json\/wp\/v2\/media?parent=55"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.seanpolley.com\/blog\/wp-json\/wp\/v2\/categories?post=55"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.seanpolley.com\/blog\/wp-json\/wp\/v2\/tags?post=55"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}