# What Are the Best Strategies for Reducing RMDs?

Page: https://stenobird.com/podcast/retirement-answers-5918904/what-are-the-best-strategies-for-reducing-rmds
Text version: https://stenobird.com/podcast/retirement-answers-5918904/what-are-the-best-strategies-for-reducing-rmds.md
Podcast: [Retirement Answers](https://stenobird.com/podcast/retirement-answers-5918904)
Published: 2026-06-16T11:30:00+00:00
Episode link: https://share.transistor.fm/s/78b74271
Audio file: https://media.transistor.fm/78b74271/ca1e7c89.mp3
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JSON: https://stenobird.com/v1/public/podcasts/retirement-answers-5918904/episodes/what-are-the-best-strategies-for-reducing-rmds
Duration seconds: 1627

## Resource

Are you worried that required minimum distributions (RMDs) could force unnecessary taxable income and shrink your hard-earned retirement savings? In this episode of Retirement Answers, Jacob Duke explains when RMDs become a real problem, offers a quick rule of thumb based on how much you hold in tax-deferred accounts, and walks through five ways to reduce future RMDs. 👉 Book a call with me: https://www.rivertreewealth.com/get-started ✅ Get your Important Numbers 2025 PDF here: https://www.rivertreewealth.com/2025-important-numbers Email: jacob@rivertreewealth.com Website: https://www.rivertreewealth.com LinkedIn: https://www.linkedin.com/in/jacobduke Jacob Duke, CFP, MBA is the founder of Rivertree Wealth and the host of the Retirement Answers podcast. DISCLAIMER: This should not be taken as tax, legal, or investment advice. All content is for educational purposes only. 00:00 Retirement Rule Frustrations 00:51 When RMDs Become a Problem 03:10 Gap Years Tax Planning 03:33 Asset Location Strategy 08:40 Roth Conversions Explained 13:32 Delay Social Security Benefits 18:40 QCDs for Charitable Giving 21:22 Spend More Before RMDs 25:40 Wrap Up

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## Transcript

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