Uploaded September 2026 | Updated September 2026, 23 hours ago
RMDs make a lot of people nervous, but the withdrawal itself usually isn't what hurts. In this video, Eric Powell breaks down what a required minimum distribution actually is, when yours starts (73 if you were born 1951 to 1959, 75 if you were born in 1960 or later), and how the math works with real numbers. Then he gets into the two traps that catch retirees off guard: the widow's penalty, where a surviving spouse pays thousands more in tax on the same income, and IRMAA, the Medicare surcharge that kicks in the moment your income crosses the line.
Schedule a call with us today at jazzwealth.com/chatwithjazz
Important Disclosure The information presented is for educational and informational purposes only and should not be construed as individualized investment, tax, legal, retirement, or estate planning advice. The concepts discussed are general in nature and may not be appropriate for all individuals. Any examples, calculations, projections, tax illustrations, or hypothetical scenarios are provided solely for explanatory purposes. Hypothetical examples do not reflect the results of any actual investor, are based on assumptions, and are not guarantees of future outcomes or performance. Tax laws, IRS regulations, Medicare rules, IRMAA thresholds, Required Minimum
Distribution (RMD) requirements, and other planning considerations are subject to change and may materially affect future results. Future legislative, regulatory, or personal circumstances may differ
from those discussed. Strategies referenced, including Roth conversions, retirement distribution planning, tax-management techniques, gifting strategies, and estate planning considerations, involve tradeoffs and risks and may result in increased taxes, reduced liquidity, higher costs, or outcomes different from those intended. No assurance can be given that any planning strategy will be
successful or result in tax savings. Before implementing any investment, tax, retirement, or estate planning strategy, individuals should consult with qualified financial, tax, legal, and other professional
advisors regarding their unique circumstances. Investing involves risk, including the possible loss of principal. Past performance does not guarantee future results. Investment advisory services are offered through Steward Partners Investment Advisory, LLC (āSPIAā), an SEC-registered investment adviser. SPIA and Steward Partners Global Advisory, LLC are affiliates and collectively referred to as Steward Partners
RMDs make a lot of people nervous, but the withdrawal itself usually isn't what hurts. In this video, Eric Powell breaks down what a required minimum distribution actually is, when yours starts (73 if you were born 1951 to 1959, 75 if you were born in 1960 or later), and how the math works with real numbers. Then he gets into the two traps that catch retirees off guard: the widow's penalty, where a surviving spouse pays thousands more in tax on the same income, and IRMAA, the Medicare surcharge that kicks in the moment your income crosses the line.
Schedule a call with us today at jazzwealth.com/chatwithjazz
Important Disclosure The information presented is for educational and informational purposes only and should not be construed as individualized investment, tax, legal, retirement, or estate planning advice. The concepts discussed are general in nature and may not be appropriate for all individuals. Any examples, calculations, projections, tax illustrations, or hypothetical scenarios are provided solely for explanatory purposes. Hypothetical examples do not reflect the results of any actual investor, are based on assumptions, and are not guarantees of future outcomes or performance. Tax laws, IRS regulations, Medicare rules, IRMAA thresholds, Required Minimum
Distribution (RMD) requirements, and other planning considerations are subject to change and may materially affect future results. Future legislative, regulatory, or personal circumstances may differ
from those discussed. Strategies referenced, including Roth conversions, retirement distribution planning, tax-management techniques, gifting strategies, and estate planning considerations, involve tradeoffs and risks and may result in increased taxes, reduced liquidity, higher costs, or outcomes different from those intended. No assurance can be given that any planning strategy will be
successful or result in tax savings. Before implementing any investment, tax, retirement, or estate planning strategy, individuals should consult with qualified financial, tax, legal, and other professional
advisors regarding their unique circumstances. Investing involves risk, including the possible loss of principal. Past performance does not guarantee future results. Investment advisory services are offered through Steward Partners Investment Advisory, LLC (āSPIAā), an SEC-registered investment adviser. SPIA and Steward Partners Global Advisory, LLC are affiliates and collectively referred to as Steward Partners
