Key Points If you have savings in a traditional IRA or 401(k), you'll be subject to required minimum distributions. A Roth conversion could help minimize those required withdrawals. Also explore your options for charitable giving. The $23,760 Social Security bonus most retirees completely overlook › If you have retirement savings in a traditional IRA or 401(k), you'll be subject to required minimum distributions (RMDs) once you turn 73 or 75, depending on your year of birth. And those RMDs could be a hassle, to say the least. Not only are RMDs a taxable event, but those forced withdrawals could impact other aspects of your retirement finances.
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