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2020investor,

Not an answer that exactly addresses your OP, but...

If you do alot of charitable contributions (or expect to), charitable contributions from a 401K count towards your RMDs and you do not pay tax on those contributions.

I was wrestling with your situation until a couple of years ago when I read about this. We have $350K in 401K accounts and have 6 years until we have to take RMDs. I expect we will be making $20K in charitable contributions when we hit 70 1/2, so, if we do not need the money to subsidize our lifestyle, I will use it for the charitable contributions.

Yeah, I won't get to count them on my itemized deductions, but, by then, I will be using the standard deduction anyway.

Just another thought for you to ponder. :)

PW
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