Find out if your RMD could be covered by income alone, so you're not forced to sell off the savings you spent a lifetime building.
For retirees and pre-retirees with $250k+ saved for retirement.
No cost. No obligation. Seating is limited and lunch is planned by headcount, so please register ahead.
A 35–40 minute presentation, then a complimentary light lunch. It's on us.
Five things most retirees never get a straight answer to about their RMDs.
Most people find out they miscalculated their RMD after it's too late to fix it cheaply. You don't have to be one of them. There's an exact formula the IRS uses — once you know it, the guesswork (and the anxiety that comes with it) disappears.
It's the largest penalty anywhere in the federal tax code — and unlike in years past, the IRS is no longer looking the other way. The good news: this is one of the easiest financial mistakes to avoid completely, once you know what triggers it.
Your RMD doesn't get taxed on its own — it stacks on top of everything else you're already living on, and it can quietly pull more of your Social Security into taxable territory. Most retirees don't see it coming until the bill does.
You have a choice most people never realize they have: pull your RMD from the interest and dividends your investments generate, or let the IRS force you to sell off the principal itself. One keeps your savings intact. The other can quietly drain it — especially if the market's down the year you're forced to sell.
A surviving spouse can inherit your IRA tax-free, but most other heirs are on the clock. One overlooked detail in how your beneficiaries are designated could mean your grandchildren get disinherited — without you ever knowing it was a risk.
RICP®, AAMS® · Investment Advisor Representative
For the past 20 years, I've worked as a fiduciary with Retirement Income Source SFG, serving families throughout Southwestern Connecticut.
I've learned that it's not the "easy" market years that define a great financial advisor. It's the difficult ones. Over the course of my career, I've guided retirees through some of the most challenging periods in modern financial history, including the 2008–2009 financial crisis, COVID, and the high-inflation year of 2022.
Helping clients navigate those uncertain and often frightening moments, while maintaining or even improving their lifestyle, has been one of the most rewarding parts of my work.
My goal is to remove the stress and anxiety that often surround retirement, so the families I work with can focus on living well, doing what they love, and enjoying this next chapter without the fear of running out of money.
Yes. If you're in your 60s, now's the time to plan, since some of the smartest moves have to happen before your RMDs start. Already taking RMDs? You'll learn how to handle the taxes and where the money should come from.
There isn't one. It costs nothing to attend, lunch is on us, and there's nothing to buy. If you want to go further, you can book a free RMD Readiness Review afterward, where one of our advisors walks through your own numbers with you one-on-one.
Please do. RMDs affect you both, and it helps to hear it together. Just let us know when you register so we can save a seat and plan lunch for two. Any questions, please feel free to contact us toll-free at 866-646-7600.
The presentation runs about 35 to 40 minutes, and a complimentary light lunch follows. Plan a little extra time if you'd like to stay and chat.
Take a breath first. This is more common than you'd think, and it's often fixable. How much it costs you depends on when it's caught and how it's corrected, which is exactly the kind of thing we walk through during the RMD Readiness Review.
For some people, yes. For others, barely at all. It depends on where you are in the timeline and if you actually need the money yet, which is worth understanding for your situation rather than in general terms.
Save your seat for October 20 in Madison. The sooner you understand your numbers, the more options you have.
