Insights & Financial News | Oak Road Journal

Insights

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.

Financial advisor calculating RMD withdrawal strategy with calculator and cash

What Is the Best Thing to Do With RMD Money?

See the 3 smart RMD strategies — spend it, reinvest it, or gift it via QCD — from a fee-only fiduciary advisor.

Are Taxes Taken Out of Your RMD?

The default rate might be costing you more than it should. Here's how to set the right withholding — and what most retirees miss.

Stressed retiree with head in hands at desk, frustrated by RMD tax impact

Why Are RMDs Considered Bad?

RMDs force taxable income, higher tax brackets, and rising Medicare premiums, whether you need the money or not. Here's how to soften the hit.

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.