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The Blueprint For Required Minimum Distributions (2026)

RMD planning has never been more complex. This guide walks you through the most effective strategies to maximize your RMDs in retirement while minimizing your tax burden. Whether you are five years out or already retired, these strategies can help you keep more of what you have earned.

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Registered Representative of Sanctuary Securities Inc. and Investment Advisor Representative of Sanctuary Advisors, LLC. Securities offered through Sanctuary Securities, Inc., Member FINRA, SIPC. Advisory services offered through Sanctuary Advisors, LLC., a SEC Registered Investment Advisor. Theorem Wealth Management is a DBA of Sanctuary Securities, Inc. and Sanctuary Advisors, LLC.

Your Guide to Required Minimum Distributions

Key strategies covered inside this guide

RMD Timing Strategies

Learn how to optimize when you distribute to maximize your lifetime benefits.

RMD Planning

Discover how strategic distributions can reduce your future tax burden in retirement.

RMD Common Mistakes

Understand what to watch out for

WHAT'S INSIDE

What You Will Learn Inside

A chapter-by-chapter breakdown of the strategies covered in this guide

CH. 01

UNDERSTANDING REQUIRED MINIMUM DISTRIBUTIONS

Learn what an RMD is, and why they are required to be taken.

CH. 02

HOW RMDs ARE CALCULATED

Learn how RMDs are calculated.

CH. 03

RMD PENALTY AND TAX CONSIDERATIONS

Understand what penalties may come from taking RMDs late.

CH. 04

STRATEGIES TO MANAGE RMD TAXES

How to manage taxes alongside RMDs.

WHO THIS IS FOR

This Guide Is Written For You If…

Age 70–75 and approaching or already subject to RMD rules

Has significant pre-tax retirement accounts (IRA, 401k)

Unsure how much they are required to withdraw each year

Concerned about taxes from forced withdrawals

Wants to reduce or plan around RMDs (e.g., Roth conversions, QCDs)

Doesn’t need the income and is worried about unnecessary tax impact or portfolio drag

ABOUT THE AUTHOR

Written By the Team Behind Theorem Wealth

Theorem Wealth Management was founded on a simple premise: that the decisions made in the five years before and after retirement matter more than almost anything that comes before them. Our advisors have spent years working with clients navigating exactly this transition and this guide distils what we’ve learned into a framework you can apply to your own plan.

Fee-only fiduciary wealth management

Specialising in retirement transition planning

CFP® professionals with 20+ years combined experience

Published research in retirement income sequencing

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The Blueprint For Required Minimum Distributions (2026)

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Frequently Asked Questions

An RMD is the minimum amount you must withdraw each year from certain retirement accounts once you reach the required age.

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For most people, RMDs begin at age 73 (under current law), with your first withdrawal due by April 1 of the following year.

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Your RMD is based on your account balance at the end of the previous year and a life expectancy factor from IRS tables.

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You may face a penalty of up to 25% of the amount you failed to withdraw (reduced if corrected quickly).

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Yes, but rules vary, IRAs can be aggregated, while most 401(k)s must be taken separately.

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