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Advisor Use Only

RMD Requirement

What will my RMDs look like?

How to use this tool

Use this as an IRA-review opener. The tool estimates required minimum distributions and shows how quickly the forced-income problem can grow.

  1. Enter the client’s age, IRA balance, and growth assumptions.
  2. Read the next estimated RMD first.
  3. Use the forward schedule to discuss Roth conversions, QCDs, income planning, and legacy exposure.

Required distribution screen

Fast path: choose one owner or two IRA owners, enter age and prior year-end balance, then show this year’s household RMD and the projected RMD path through advanced age. This screen is for standard IRA owner RMDs, not inherited IRAs or special-case tables.

Household setup

Note: “Married / two IRA owners” means two separate IRA buckets, potentially at two different ages. Use projection years to extend the schedule through age 115 when needed.

Owner 1 IRA bucket

Enter the IRA owner details, then get the RMD answer.

RMD scope

This estimates required distributions for planning. Confirm account type, beneficiary table, prior-year balance, and actual IRS/custodian calculation.

RMD tableUniform LifetimeStart agebirth-year basedTaxordinary income contextOutputplanning estimate
Disclosures and important information
Educational use only.

These tools are intended for advisor education and planning conversations. They are not a recommendation or client-specific advice.

Not tax, legal, investment, or product advice.

Tax, legal, investment, and insurance decisions should be reviewed with the client’s qualified professionals and the advisor’s compliance process.

Illustrative assumptions.

Outputs depend entirely on user-entered assumptions and simplified formulas. Actual results may differ materially.

Tax estimates are simplified.

Tax calculations may not fully reflect deductions, credits, state taxation, IRMAA, Social Security taxation, AMT, NIIT, filing-status changes, or future law changes unless explicitly modeled.

Product and rate assumptions.

Any annuity bonus, cap, participation, fee, income, or legacy value shown is hypothetical unless supported by current carrier-approved materials.

No guarantees.

Projections do not guarantee future performance, income, tax treatment, product availability, or client outcomes.

Compliance review required.

Client-facing use, screenshots, exports, and presentations should be reviewed under the advisor’s firm, broker-dealer, RIA, IMO, carrier, and state requirements.

Client-specific review required.

Before implementation, verify account values, cost basis, beneficiary designations, liquidity needs, surrender schedules, fees, riders, tax forms, and client objectives.