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Since retiring, I have adjusted the amount of taxes withheld when I make my annual RMD and the taxes are paid at the time of the withdrawal. Without any unplanned adjustments to my taxable accounts, no additional taxes are owed.

I rarely make changes in the taxable accounts. Now when I make any changes in my taxable accounts, I have no regular means to make tax payments over the year and seems to force me into estimated payments. After reading the IRS “help” on the subject, it seems that I will be forced into adjusting the estimated tax payment using form 1040-ES if I make any unplanned changes in the taxable account. Wish I could just pay the taxes when I make the changes.

You could just have more of your RMD withheld, or take an additional distribution from your IRA. You can often even have a withdrawal that goes 99% or 100% to withholding.

If you don't want to do that, and you want to have taxes withheld from your taxable account, you should ask your broker if it can be done. Because there are some people who are required to have taxes withheld when they make sales of stock, brokers generally have a way to process withholdings from taxable accounts, but it's not something that people commonly want - so you generally have to ask for it.

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