RMD Planning in Alpharetta, GA
Turn a Required Withdrawal Into a Tax Strategy
RMDs are mandatory. How you plan around them is where the real decisions happen. We help you prepare well before your first required withdrawal.
Fee-Only • Fiduciary • Independent RIA • CFP®, ChFC® • 30+ Years Serving North Atlanta
The Decisions That Actually Matter Around Your RMDs
Required Minimum Distributions start at 73 if you were born between 1951 and 1959, or 75 if you were born in 1960 or later, under SECURE 2.0. But the age is the easy part. The real planning questions are how much you'll owe, whether Qualified Charitable Distributions or Roth conversions can reduce that impact, and how a large withdrawal interacts with your Medicare premiums and Social Security taxation. At Daner Wealth Management, we help high-income professionals and executives in Alpharetta, Roswell, and Johns Creek plan for RMDs years before the first one is due.
When to Start This Conversation
You may be ready for this conversation if you're within five to ten years of your RMD age, if you have a large traditional IRA or 401(k) balance, if you're charitably inclined and want to explore Qualified Charitable Distributions, or if you've inherited an IRA and need to understand the distribution timeline that applies to you.
Our Process
We start with a conversation about your account balances, your income, and your goals. From there, we help you think through:
- Using Qualified Charitable Distributions Strategically. For 2026, IRA owners age 70½ and older can direct up to $111,000 per person to charity through a QCD. A QCD counts toward your RMD but is excluded from your income entirely, which can help manage Medicare IRMAA surcharges and the taxable portion of your Social Security.
- Reducing Future RMDs Through Roth Conversions. Converting traditional IRA or 401(k) funds to a Roth account in the years before your RMDs begin can reduce the balance that generates future required withdrawals.
- Coordinating With Social Security and Medicare. RMDs stack on top of your other income, which can affect Social Security taxation and Medicare premium thresholds. We help you see how required withdrawals fit into your broader retirement income strategy before your first required withdrawal.
- Planning for Inherited IRAs. Under current rules, most non-spouse beneficiaries must fully distribute an inherited IRA within 10 years. We help you understand the timeline that applies to your specific situation.
- Knowing Your Exact RMD Age. If you were born between 1951 and 1959, your RMDs begin at 73. If you were born in 1960 or later, they begin at 75. Knowing your specific age is the starting point for the strategies above.
As a fiduciary, every recommendation is built around your interests, not a product. We don't earn commissions tied to how or when you take distributions.
We don't charge by the service or take commissions on products we recommend. As a fee-only firm, we charge an all-inclusive percentage of assets under management, generally 0.75%–1.25% annually, so our only incentive is doing right by your plan. We'll walk you through exactly what that means for your situation before you commit to anything.
Why Choose Daner Wealth Management
Marc Daner, CFP®, ChFC®, has helped clients plan around required distributions as part of a full financial picture for more than 30 years. As an independent, fee-only fiduciary, we're required by law to act in your best interest, not selling products or earning commissions. We explain your options in plain language and stay with you as your plan evolves.
Talk to Marc
If your RMD age is on the horizon, or you've recently inherited an IRA, we'd welcome the conversation. Schedule a consultation with Marc Daner to talk through how required distributions fit your full financial picture.
FAQs
Get your questions answered about our RMDs .
It depends on your birth year. If you were born between 1951 and 1959, your RMDs begin at age 73. If you were born in 1960 or later, they begin at age 75. Your first RMD is technically due by April 1 of the year after you reach your RMD age, though taking it in the same year you reach that age avoids having two taxable distributions in one calendar year.
A Qualified Charitable Distribution is a direct transfer from your IRA to a qualified charity. For 2026, IRA owners age 70½ and older can direct up to $111,000 per person this way. A QCD counts toward your RMD but doesn't add to your taxable income, which is different from a regular charitable deduction.
Under SECURE 2.0, the penalty for a missed RMD is 25% of the shortfall, reduced to 10% if you correct it within two years. This is significantly lower than the 50% penalty that applied before 2023, but it's still worth avoiding through advance planning.
It depends on your relationship to the original owner and current IRS rules, which have changed in recent years. Most non-spouse beneficiaries must fully distribute the account within 10 years. We help clients understand the specific timeline that applies to their situation.
