Required Minimum Distributions, Before the December 31 Deadline

Wed, 14 Oct 2026 06:00:00 -0500

Frank Czerny has $440,000 in a traditional IRA. He turned 73 in September. He knows he has to take something out before the end of the year. What he doesn’t know is exactly how much, or what happens if he doesn’t, or whether there’s a smarter way to do it than just moving money from one account to his checking account and paying taxes on it.

That’s the call I get every October.

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Required Minimum Distributions, Before the December 31 Deadline