Financial Advisor Portland Oregon

Vision Capital Management has been providing clients financial planning and investment management services since 1999. Visit our site to find out more

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      • Sue McGrath
      • Marina Johnson, CFA
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Dec 31 2018

The Benefits of Taking Your RMD Early in the Year

Welcome to a new year! With the holidays and celebrations behind you, it’s time to plan for the year ahead. If you have one or more retirement accounts and are over the age of 70 ½, taking your required minimum distribution (RMD) will be on the “to do” list for you and your financial advisor.

RMD - Minimum Required Distribution

What’s an RMD and why do I have to take money out of my retirement accounts?

The biggest benefit of saving in retirement accounts is tax-free growth, meaning you never pay capital gains tax as the assets increase in value over time (motivation to start saving early!). The IRS, however, doesn’t want you and your beneficiaries to receive this benefit for eternity so, at the age of 70 ½, you must start taking money out of the account. Roth IRAs are an exception in that distributions aren’t required during the original owner’s lifetime but, after the owner’s death, beneficiaries are required to take annual distributions over the course of their lifetimes.

[Read more…]

Written by Marina Johnson · Categorized: FINANCIAL PLANNING, INVESTMENT MANAGEMENT · Tagged: FINANCIAL PLANNING, RMD

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Certified Women Owned Business
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Private Wealth Advisor
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