Retirement Tax Planning (2025)

Plan withdrawals to manage taxable income, RMDs, and Medicare premium impacts. Consider timing of Roth conversions and required minimum distributions; verify 2025 RMD rules and age thresholds before action.

Key tactics

• Use Roth conversions in low-income years to reduce future RMDs.
• Manage withdrawals to avoid higher Medicare Part B/D premiums tied to MAGI.
• Coordinate Social Security claiming with taxable income planning.

Numbers (contribution limits, RMD ages, and phaseouts) change annually — confirm 2025 IRS guidance before making moves.