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Financial Choices MatterAuthor: Charles Scott Language: en Genres: Business, Business News, Investing, News Contact email: Get it Feed URL: Get it iTunes ID: Get it |
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Taking RMDs In-Kind: What It Means and Who It Helps
Episode 123
Thursday, 12 June, 2025
Most retirees take their required minimum distributions (RMDs) in cash without realizing there's another option that might offer more long-term value. In this episode, Charles highlights a lesser-known strategy: taking RMDs “in-kind” by moving stocks or mutual funds from a retirement account into a taxable account, without actually selling anything. It’s a tactical move that creates a new cost basis and may reduce future tax exposure. Tune in as we cover how the strategy works, how it compares to a Roth conversion in down markets, and who’s best positioned to use it. Plus more! Here’s some of what we discuss in this episode: 📊 When it means to take RMDs “in-kind” 💡 How an in-kind distribution sets a new cost basis for your stocks 📈 Inflation on general goods vs. healthcare over the last 20 years ❗ Variable annuities: what you need to ask before signing CONTACT ☎ Website: https://pelletoncapital.com/ Phone: 480-513-1830 Email: info@pelletoncapital.com Guide and Resources: https://pelletoncapital.com/ltc-resources YouTube: https://www.youtube.com/@PelletonCapitalManagement Schedule a discovery call with Charles: https://pelletoncapital.com/contact-us
