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Turning 73? Don’t Let RMDs Catch You Off Guard

When it comes to Required Minimum Distributions, we can help you avoid penalties by making the right withdrawals at the right time.

Personal consultations are available for those with $1,000,000+ in investable assets.

Turning 73? Don’t Let RMDs Catch You Off Guard

When it comes to Required Minimum Distributions, we can help you avoid penalties by making the right withdrawals at the right time.

Talk to a Professional About RMDs

Personal consultations are available for those with $1,000,000+ in investable assets.

What Are RMDs and Why Do They Matter?

Once you turn 73, the IRS requires you to start making withdrawals from your tax-deferred retirement accounts, such as traditional IRAs and 401(k)s. These are known as Required Minimum Distributions (RMDs), and if you miss one, or withdraw the wrong amount, you could face a penalty up to 25% of the amount not withdrawn.1

That’s why planning ahead is critical, especially for high net worth investors with multiple accounts.

Talk to a Professional

1Source: Internal Revenue Service, "Retirement plan and IRA required minimum distributions FAQs" (2025).

What to Know About RMDs

Starting Withdrawals

Most tax-deferred retirement accounts require RMDs to begin at age 73.

Selling Selectively to Keep the Right Investment Mix

You can sell investments to generate cash to withdraw for your RMD or distribute investments—but make sure you maintain the right portfolio mix for your goals.

Avoiding Penalties

Missing or miscalculating an RMD can result in IRS penalties up to 25% of the amount not withdrawn.

Calculating the Right RMD Amount

Your RMD amount is based on your life expectancy and your account's balance at the end of the prior year.

Pacing Your Payments

RMDs can be taken in an annual lump sum or installments.

How Fisher Investments Can Help

We don’t just calculate your RMD. We build a strategy around it. Our approach includes:

Reviewing all your retirement accounts to ensure compliance

Accounting for the tax impact of your distributions

Keeping your investment mix in line with your goals when selling securities

Helping you dodge steep penalties by avoiding common mistakes

Whether you’re preparing for your first RMD or managing complex withdrawals, we can help you stay on track.

Talk to Us About Your RMD

Common RMD Mistakes We Can Help You Avoid

Forgetting to take your first RMD on time

Withdrawing too little or from the wrong account

Misunderstanding inherited IRA rules

Missing yearend deadlines

Talk to a Professional About RMDs

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USA Today

Best Financial Advisory Firms

Recognized for strong client satisfaction and industry-leading performance.

Kiplinger Readers’ Choice Awards:

Wealth Managers

Outstanding accolades for Quality of Advice and Overall Satisfaction.

AsianInvestor

2025 Best Equity Manager

Awarded for exceptional performance, innovation and leadership.

Kiplinger Readers’ Choice Awards:

Overall Satisfaction

Recognized by readers for experience and performance.

Citywire RIA’s 2025

50 Growers Across America

One of the fastest-growing investment advisers in the US.

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Personal consultations are available for those with $1,000,000+ in investable assets.

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For over 45 years, we've helped clients work toward their financial goals. We welcome the opportunity to learn more about your situation and mutually discover if we could be a fit for you.

6500 International Pkwy, Ste 2050 | Plano, TX 75093, United States

Your privacy is extremely important to us. View our privacy policy.

California and Oregon residents here.

No cost and no obligation beyond completing a short request form and brief survey.

Privacy & Security Policy

Cookie Policy

For over 45 years, we've helped clients work toward their financial goals. We welcome the opportunity to learn more about your situation and mutually discover if we could be a fit for you.

6500 International Pkwy, Ste 2050 | Plano, TX 75093, United States

Your privacy is extremely important to us. View our privacy policy.

California and Oregon residents here.

No cost and no obligation beyond completing a short request form and brief survey.

Privacy & Security Policy

Cookie Policy