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Wife & I spent an hour with a CFP we've known for decades. I'm 68, wife 65, and so I asked about RMDs and whether it might make sense for me to withdraw some $ from my qualified retirement account (TIAA) now, when we're in a relatively low tax bracket, rather than later, when the RMDs would push us into a higher bracket.

The CFP did a little math and verified that this would indeed make sense for this year and next year, and so that's what we're going to do. Also, don't forget to send an appropriate amount of withholding tax to Uncle Sam (and your state, if you have state income tax).
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