In this video, Ryan Rinehart of Denali Financial Group breaks down three major tax risks facing retirees who have a pension and over $1 million saved. He covers how Required Minimum Distributions (RMDs), the widow’s penalty, and IRMAA surcharges can push you into higher tax brackets and increase Medicare premiums. Ryan then walks through two proactive strategies — incremental Roth conversions and Qualified Charitable Distributions (QCDs) — using a real-world example to show how smart planning can save six figures in taxes.
