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Also keep in mind that you only care about RMDs if the RMD is greater than your needs. So if your RMD is $36k, but you need $40k for your retirement expenses, there is zero excess tax burden because of the RMD.

Also, I've got nothing specifically against Fidelity advisors. Just keep in mind that advisors such as this are generally concerned with their current income - and concerned about your retirement income only to the extent it doesn't conflict with their current income.

In short, they are biased. You might confirm some plans with a fee-only advisor, or even discuss things with your tax professional. Many of them also consult on general financial advice.

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