Oak Road

Insights

Woman celebrating her 65th birthday with a white frosted cake topped with number 65 candles, representing the age when many retirees ask about IRA taxes

Do I Have to Pay Taxes on My IRA After Age 65?

Still paying taxes on your IRA after 65? Here's exactly how Traditional and Roth IRAs are taxed in retirement — and the RMD rule most retirees miss.

Person withdrawing cash from an ATM, representing an IRA withdrawal above the required minimum distribution (RMD)

What Happens If You Take More Than Your RMD?

Withdrawing extra from your IRA won't trigger a penalty — but it could bump you into a higher tax bracket. Here's the RMD rule most retirees miss.

Can I Reinvest My RMD Money?

Don’t need your RMD for expenses? See where the money can go, why taxes still apply, and how to invest it with your retirement plan in mind.

Hand tying a red ribbon around rolled cash, illustrating the question of whether you can gift your RMD to family

Can I Gift My RMD to Family?

Yes, you can gift your RMD — but the IRS still sends the bill to you, not your family. See how RMD taxes actually work before you write that check.

Wooden blocks spelling RMD, representing required minimum distribution rules and the biggest RMD mistake retirees make

What Is the Biggest RMD Mistake?

The biggest RMD mistake isn't what most people think — and it can trigger IRS penalties or push you into a higher tax bracket. Here's how to avoid it.

Close-up of a "Latest Updates" file folder tab among other filed documents

What Are the New 2026 RMD Rules?

Turning 73 in 2026? Here's exactly what changed (and what didn't) with RMD rules this year — explained by a fee-only fiduciary advisor.

Required Minimum Distributions binder next to a financial report with pie charts and a calendar, representing 401k RMD planning at age 73

How Much Do I Have to Withdraw From My 401k at Age 73?

RMDs start at 73 or 75, depending on your birth year — and the required amount climbs each year. See the formula, IRS tables, and how to shrink it.

A paper titled 'RMD — Required Minimum Distributions' resting on financial statements, with reading glasses and a pen — representing retirement account withdrawal rules.

Required Minimum Distributions: How They Work, How They're Taxed, and How to Lower Them

Required Minimum Distributions can push you into a higher tax bracket — and raise your Medicare premiums — without warning. Here's how RMDs work, how they're taxed, and the strategies Oak Road Wealth Management uses to lower them.

Senior man working on a laptop at home, representing someone who continues working full time while collecting Social Security at age 70.

Can I Collect Social Security at 70 and Still Work Full Time?

Yes — and your benefit won't shrink. Oak Road Wealth Management explains why age 70 is the magic number, plus the real (non-math) reason so many retirees keep working.