Roth Conversion vs RMD: What Every High Earner Needs to Know Before Age 73

Roth Conversion vs RMD: What Every High Earner Needs to Know Before Age 73

Your RMD isn't just a withdrawal — it's the IRS setting off a chain reaction that can spike your Medicare premiums, tax your Social Security, and wipe out the charitable giving move you didn't even know you had. In the latest episode of It's All Money, Sonoma Wealth Managing Principal Daren Blonski CFP® and Marketing Director Dano Weir walk through:

• The four traps hiding inside that required distribution.

• Why the window to get ahead of them closes before you turn 73.

• The three moves you can take as a retiree to optimize or adjust to these conditions.

If you'd rather protect your heirs or portfolio than just write the check, check out this episode.

Book your Wealth Analysis right here: https://sonomawealthadvisors.com/book-your-wealth-analysis

Sources:

RMD Basics / Age 73 Rules https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-topics-required-minimum-distributions-rmds https://www.irs.gov/retirement-plans/retirement-plan-and-ira-required-minimum-distributions-faqs https://www.schwab.com/learn/story/rmd-reference-guide https://www.fidelity.com/retirement/required-minimum-distributions

IRMAA / Medicare Premium Surcharges https://www.medicareresources.org/medicare-eligibility-and-enrollment/what-is-the-income-related-monthly-adjusted-amount-irmaa/ https://incomelaboratory.com/irmaa-brackets-2026-guide/ https://www.instead.com/resources/blog/rmds-impact-on-tax-brackets-and-medicare-premiums https://www.schwab.com/learn/story/how-higher-income-can-affect-medicare-premiums

Social Security Taxation Thresholds https://www.troweprice.com/en/us/insights/the-impact-of-social-security-benefits-on-your-taxes https://www.greenbushfinancial.com/all-blogs/social-security-tax-strategy https://www.congress.gov/crs_external_products/R/HTML/R48613.html https://www.schwab.com/learn/story/before-and-after-managing-social-security-taxes

Qualified Charitable Distributions (QCDs) <a href="https://www.schwab.com/learn/story/reducing-rmds-with-qcds" target="_blank" rel="noreferrer...