A required distribution deadline this year
Use the distribution deadline to review the whole income plan.
The Year-End Distribution Checklist confirms which accounts require action, what has already been taken, and which questions belong with your custodian or tax professional — then reviews how the distribution fits your income plan.
Complimentary and educational. A licensed specialist reviews it with you by Zoom or phone in about 20 minutes — no product presentation.
12+ years each
Retirement & income planning experience
3,000+
Retirement income strategies reviewed
$3 billion+
Retirement assets analyzed
Each of our Experts brings at least 12 years of successful college funding and retirement planning experience, beginning with A+ Rated Carrier Training.
What your Year-End Distribution Checklist shows
- Accounts requiring separate calculations or distributions
- Amounts already taken this year
- Withholding and cash-need handling
- Beneficiary, qualified-charitable-distribution, and portfolio-income questions to raise with professionals
What a good outcome looks like
A completed checklist before the deadline, the right questions routed to the right professionals, and one clear next action.
The questions we work through
- Which accounts require separate calculations or distributions?
- How will withholding and cash needs be handled?
- Should beneficiary, charitable, or portfolio-income questions be raised with your professionals?
How the follow-through works
- October: Send the year-end checklist.
- Early November: Call to confirm accounts and amounts taken.
- Mid-November: Review withholding and cash needs.
- Early December: Coordinate with custodian and tax professional.
- Late December: Confirm completion and document next steps.
You decide the pace. At any point you can ask us to follow up later or close the loop entirely.
Common questions
Year-End RMD + Income Review: the questions people ask first
When do I have to start taking required minimum distributions?+
Under current law, required distributions from traditional IRAs and most workplace plans begin at age 73, with the first one allowed as late as April 1 of the following year. Roth IRAs have no required distributions for the original owner.
How can I reduce required minimum distributions?+
Mostly before they start: Roth conversions in lower-income years, qualified charitable distributions once eligible, and coordinating which accounts fund early retirement spending. Once distributions begin, the amount is set by the balance and your age — the remaining choices are about tax treatment and destination.
What happens if I miss a required distribution?+
A penalty applies to the amount you should have withdrawn, reduced if you correct it promptly and file the right form. The year-end review exists to catch the miss while there is still time to fix it in the same tax year.
Pick your time
Select a window for our team to verify your information and schedule your Expert match call
Pick a window and our team calls first to verify your details and confirm what to review. Then we match you to the right licensed specialist for your Tele-Wealth consultation. No pitch — we walk through your answers, your numbers, and what to fix first.
Smart Match — the right expert for you: We don't randomly assign you to whoever is available. We review your questionnaire answers and match you with an experienced Fiduciary Retirement Specialist who can best address your situation — then they stay with you from there.
Select My Verification Window →Plans change — that's fine. You can reschedule or cancel in a couple of clicks, any time, without calling or emailing us.
This review is educational and is not tax, legal, or accounting advice, and is not an offer or solicitation. Annuities are long-term insurance products that may involve fees, surrender charges, withdrawal limits, and tax consequences; guarantees depend on the claims-paying ability of the issuing insurer. Bank deposits and annuity contracts are not protected in the same manner. Rollovers and replacements are evaluated as balanced decisions, including the option to keep what you have. We coordinate with — and never substitute for — your tax and legal professionals.
Our fiduciary commitment
We only refer you to Retirement Experts who are obligated to act as a fiduciary at all times — legally bound to put your interests ahead of their own on every single recommendation they make to you.
Every Expert we refer must also be willing to give you a written Fiduciary Pledge — a signed legal statement confirming that duty to you in writing. If an Expert will not put it in writing, we will not refer you to them. Just ask for it on your call.
Read and download the Fiduciary Pledge