5. Required Minimum Distributions Continue to Evolve
Recent legislation has gradually increased the age at which Required Minimum Distributions (RMDs) begin. Currently, RMDs start at age 73 for most retirees, with future increases scheduled.
For those subject to RMDs in 2026, withdrawals remain mandatory—and taxable.
Inflation may push account balances higher in nominal terms, which can increase RMD amounts. That, in turn, increases taxable income.
Some seniors are exploring:
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Qualified Charitable Distributions (QCDs) to reduce taxable income
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Partial Roth conversions before RMD age
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Coordinating withdrawals with tax bracket management
RMD planning isn’t optional—and 2026 could require closer attention.
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