Taking RMDs In-Kind: What It Means and Who It Helps

Most retirees take their required minimum distributions (RMDs) in cash without realizing there's another option that might offer more long-term value. In this episode, Charles highlights a lesser-known strategy: taking RMDs “in-kind” by moving stocks or mutual funds from a retirement account into a taxable account, without actually selling anything. It’s a tactical move that creates a new cost basis and may reduce future tax exposure.

Tune in as we cover how the strategy works, how it compares to a Roth conversion in down markets, and who’s best positioned to use it. Plus more!

 

Here’s some of what we discuss in this episode:

📊 When it means to take RMDs “in-kind”

💡 How an in-kind distribution sets a new cost basis for your stocks

📈 Inflation on general goods vs. healthcare over the last 20 years

❗ Variable annuities: what you need to ask before signing

 

CONTACT ☎

Website: https://pelletoncapital.com/ 
Phone: 480-513-1830
Email: info@pelletoncapital.com
Guide and Resources: https://pelletoncapital.com/ltc-resources

YouTube: https://www.youtube.com/@PelletonCapitalManagement

Schedule a discovery call with Charles: https://pelletoncapital.com/contact-us