If you're anywhere close to retirement, somebody has probably tried to scare you about RMDs. You know the pitch. Your required withdrawals are going to rocket you into a higher bracket, tax your Social Security, spike your Medicare premiums — and the only way out, conveniently, is whatever that person happens to be selling that afternoon. Here's the honest version: some of it is true, for some people. Some retirees really do have an RMD tax problem. Some have a small one with

Ever since the advent of the 401(k), we have seen a growing cohort of 401(k) millionaires. This is great, it meaning our society is becoming more literate and more people are taking advantage of programs designed to help them secure their retirement, BUT it creates a new problem. Taxes owed on these large pre-tax retirement account balances can be significant. This is the exact reason that Roth Conversions have been such a hot topic lately. Nobody wants to pay more tax than n