RMDs, Taxes, and Planning Ahead: Don’t Let Uncle Sam Take Too Much

If you’ve been saving in the TSP or another qualified retirement plan, you know Uncle Sam has been patient—but not forever. In this episode of Rayna Retirement, Rayna Reyes explains Required Minimum Distributions (RMDs), why they matter, and how to plan so your money lasts longer and benefits both you and your loved ones. 

Rayna shares creative analogies (coffee cups, Beatles songs, and even Greek mythology!) to make complex retirement concepts simple. You’ll learn:

• When RMDs start and how much you must take
• Why not planning can trigger steep penalties
• How lifetime income strategies can reduce RMD pressure
• Ways to preserve your retirement bucket and build a legacy for your family

Don’t let Uncle Sam take more than his share. Call Rayna and her team today at 850-450-6500 or 1-800-872-8857 for guidance on your retirement income plan.

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Contact: Rayna and the team at American Federal Benefits Consultants, call 1-800-872-8857 or visit AmericanFederal.org.

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

Rayna Retirement is the go-to podcast for federal employees – or anyone – looking to make smarter financial decisions with clarity and confidence. Hosted by Rayna Reyes, co-founder of American Federal Benefits Consultants, this show simplifies the complexities of retirement, benefits, and financial planning.

Whether you're navigating your FERS or CSRS pension, maximizing your TSP, or seeking expert advice on 401(k)s or IRAs, Rayna is here to guide you every step of the way. Tune in for practical knowledge, ethical solutions, and expert insights as you prepare for a secure and fulfilling retirement.