Turning 73? Don’t Let RMDs Catch You Off Guard
When it comes to Required Minimum Distributions, we can help you avoid penalties by making the right withdrawals at the right time.
Personal consultations are available for those with $1,000,000+ in investable assets.
Turning 73? Don’t Let RMDs Catch You Off Guard
When it comes to Required Minimum Distributions, we can help you avoid penalties by making the right withdrawals at the right time.
Personal consultations are available for those with $1,000,000+ in investable assets.
Turning 73? Don’t Let RMDs Catch You Off Guard
When it comes to Required Minimum Distributions, we can help you avoid penalties by making the right withdrawals at the right time.
Personal consultations are available for those with $1,000,000+ in investable assets.
Turning 73? Don’t Let RMDs Catch You Off Guard
When it comes to Required Minimum Distributions, we can help you avoid penalties by making the right withdrawals at the right time.
Personal consultations are available for those with $1,000,000+ in investable assets.
Turning 73? Don’t Let RMDs Catch You Off Guard
When it comes to Required Minimum Distributions, we can help you avoid penalties by making the right withdrawals at the right time.
Personal consultations are available for those with $1,000,000+ in investable assets.
What Are RMDs and Why Do They Matter?
What Are RMDs and Why Do They Matter?
Once you turn 73, the IRS requires you to start making withdrawals from your tax-deferred retirement accounts, such as traditional IRAs and 401(k)s. These are known as Required Minimum Distributions (RMDs), and if you miss one, or withdraw the wrong amount, you could face a penalty up to 25% of the amount not withdrawn.1
That’s why planning ahead is critical, especially for high net worth investors with multiple accounts.
Once you turn 73, the IRS requires you to start making withdrawals from your tax-deferred retirement accounts, such as traditional IRAs and 401(k)s. These are known as Required Minimum Distributions (RMDs), and if you miss one, or withdraw the wrong amount, you could face a penalty up to 25% of the amount not withdrawn.1
That’s why planning ahead is critical, especially for high net worth investors with multiple accounts.
Once you turn 73, the IRS requires you to start making withdrawals from your tax-deferred retirement accounts, such as traditional IRAs and 401(k)s. These are known as Required Minimum Distributions (RMDs), and if you miss one, or withdraw the wrong amount, you could face a penalty up to 25% of the amount not withdrawn.1
That’s why planning ahead is critical, especially for high net worth investors with multiple accounts.
Once you turn 73, the IRS requires you to start making withdrawals from your tax-deferred retirement accounts, such as traditional IRAs and 401(k)s. These are known as Required Minimum Distributions (RMDs), and if you miss one, or withdraw the wrong amount, you could face a penalty up to 25% of the amount not withdrawn.1
That’s why planning ahead is critical, especially for high net worth investors with multiple accounts.
1Source: Internal Revenue Service, "Retirement plan and IRA required minimum distributions FAQs" (2025).
What to Know About RMDs
Starting Withdrawals
Starting Withdrawals
Most tax-deferred retirement accounts require RMDs to begin at age 73.
Selling Selectively to Keep the Right Investment Mix
You can sell investments to generate cash to withdraw for your RMD or distribute investments—but make sure you maintain the right portfolio mix for your goals.
Avoiding Penalties
Missing or miscalculating an RMD can result in IRS penalties up to 25% of the amount not withdrawn.
Calculating the Right RMD Amount
Your RMD amount is based on your life expectancy and your account's balance at the end of the prior year.
Pacing Your Payments
RMDs can be taken in an annual lump sum or installments.
How Fisher Investments Can Help
How Fisher Investments Can Help
We don’t just calculate your RMD. We build a strategy around it. Our approach includes:
We don’t just calculate your RMD. We build a strategy around it. Our approach includes:
Reviewing all your retirement accounts to ensure compliance
Reviewing all your retirement accounts to ensure compliance
Accounting for the tax impact of your distributions
Accounting for the tax impact of your distributions
Keeping your investment mix in line with your goals when selling securities
Keeping your investment mix in line with your goals when selling securities
Helping you dodge steep penalties by avoiding common mistakes
Helping you dodge steep penalties by avoiding common mistakes
Whether you’re preparing for your first RMD or managing complex withdrawals, we can help you stay on track.
Whether you’re preparing for your first RMD or managing complex withdrawals, we can help you stay on track.
Common RMD Mistakes We Can Help You Avoid
Forgetting to take your first RMD on time
Withdrawing too little or from the wrong account
Misunderstanding inherited IRA rules
Missing yearend deadlines
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USA Today
Best Financial Advisory Firms
Recognized for strong client satisfaction and industry-leading performance.
Kiplinger Readers’ Choice Awards:
Wealth Managers
Outstanding accolades for Quality of Advice and Overall Satisfaction.
AsianInvestor
2025 Best Equity Manager
Awarded for exceptional performance, innovation and leadership.
Kiplinger Readers’ Choice Awards:
Overall Satisfaction
Recognized by readers for experience and performance.
Citywire RIA’s 2025
50 Growers Across America
One of the fastest-growing investment advisers in the US.
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For over 45 years, we've helped clients work toward their financial goals. We welcome the opportunity to learn more about your situation and mutually discover if we could be a fit for you.
6500 International Pkwy, Ste 2050 | Plano, TX 75093, United States
Your privacy is extremely important to us. View our privacy policy.
California and Oregon residents here.
Investing in securities involves a risk of loss. Past performance is never a guarantee of future returns. Investing in foreign stock markets involves additional risks, such as the risk of currency fluctuations.
No cost and no obligation beyond completing a short request form and brief survey.
For over 45 years, we've helped clients work toward their financial goals. We welcome the opportunity to learn more about your situation and mutually discover if we could be a fit for you.
6500 International Pkwy, Ste 2050 | Plano, TX 75093, United States
Your privacy is extremely important to us. View our privacy policy.
California and Oregon residents here.
Investing in securities involves a risk of loss. Past performance is never a guarantee of future returns. Investing in foreign stock markets involves additional risks, such as the risk of currency fluctuations.
No cost and no obligation beyond completing a short request form and brief survey.
For over 45 years, we've helped clients work toward their financial goals. We welcome the opportunity to learn more about your situation and mutually discover if we could be a fit for you.
6500 International Pkwy, Ste 2050 | Plano, TX 75093, United States
Your privacy is extremely important to us. View our privacy policy.
California and Oregon residents here.
Investing in securities involves a risk of loss. Past performance is never a guarantee of future returns. Investing in foreign stock markets involves additional risks, such as the risk of currency fluctuations.
No cost and no obligation beyond completing a short request form and brief survey.