Explanation of the Required Minimum Distribution ("RMD") rules for inherited IRAs

Links in this episode:

• The IRS's Single Life Expectancy Table
• Charles Schwab's Inherited IRA Withdrawal Rules

• Tenon Financial monthly e-newsletter - Retirement Planning Insights
• Facebook group - Retirement Planning Education (formerly Taxes in Retirement)
• YouTube channel - Retirement Planning Education (formerly Retirement Planning Demystified)
• Retirement Planning Education website - www.RetirementPlanningEducation.com

Listener Q&A where Andy talks about:

• Am I concerned about the increasing amount of US government debt, and how do I think it will impact retirees' investments ( 1:32 )
• Are there any custodians that offer Roth versions of SEP IRAs ( 16:58 )
• Is there a simple way to estimate what your total taxes will be for the year ( 19:28 )
• Could it make sense to invest in municipal bonds instead of bonds where the interest is taxable - even if the after-tax yield of the non-municipal bonds is higher - if the interest from the municipal bonds will have smaller impact on Modified Adjusted Gross Income for things like Medicare premium surcharges and Affordable Care Act premium tax credits ( 26:01 )
• A listener's feedback on why he feels a living/revocable trust was a good idea for him ( 31 :48 )
• How much money is TOO MUCH to have in a Health Savings Account ("HSA") ( 36:16 )
• Is it better to take a year's Required Minimum Distribution ("RMD") all at once, or spread out throughout the year ( 42:05 )

Links in this episode:

• My company newsletter - Retirement Planning Insights
• Facebook group - Retirement Planning Education (formerly Taxes in Retirement)
• YouTube channel - Retirement Planning Education (formerly Retirement Planning Demystified)
• Retirement Planning Education website - www.RetirementPlanningEducation.com

Andy chats with a real person (not an advisor) doing their own retirement planning. In this episode, Andy talks with Judy Ocaya, who lives in California and retired in 2019. They talk about a wide array of retirement planning topics such as when Judy started getting serious about retirement planning, what she wishes he would have known earlier, how she planned for the non-financial aspects of retirement, and a variety of financial topics such as Social Security, investing, portfolio distributions, how she leveraged her professional experience as a retirement plan actuary and more!

Links in this episode:

• Tenon Financial monthly e-newsletter - Retirement Planning Insights
• Facebook group - Retirement Planning Education (formerly Taxes in Retirement)
• YouTube channel - Retirement Planning Education (formerly Retirement Planning Demystified)
• Retirement Planning Education website - www.RetirementPlanningEducation.com