If you're turning 73 or 75 soon, understanding Required Minimum Distributions (RMDs) is essential for managing your retirement income and taxes. This post explains when RMDs begin, how they’re calculated using the IRS Uniform Lifetime Table, and includes tables showing both distribution factors and their equivalent withdrawal percentages. Plan ahead to avoid penalties and optimize your retirement cash flow.

If one spouse files for Social Security early and the other delays until age 70, it’s still possible to receive a higher spousal benefit — but only if you understand how the rules work. This post explains how early filing reductions, spousal top-up benefits, and survivor benefits interact, using a real-life example to show how strategic timing can significantly impact retirement income for couples.