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.

Full video available on our YouTube Channel: https://youtu.be/irgfSKpQgo0

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

CHAPTERS

0:00 Cold Open: The Reddit Post That Started This Episode

1:26 What Is A Required Minimum Distribution?

2:39 Today's Scenario: Four Traps Hiding In A $1 Million IRA