RMD Strategy
A per-account, per-year RMD schedule using the correct IRS tables, your income stack mapped to tax brackets and Medicare IRMAA tiers, and the QCD strategy that can turn charitable giving into premium savings.
$49 per service. Comparable analysis elsewhere: $250–$500.
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Warren has your RMD Strategy results and explains them in plain, simple English. Ask it anything — what a number means, what changed, what to look at next — and get a clear answer, on demand. No jargon, no judgment, no appointment.
Free with your account, and it gets more generous the more services you use. Warren explains your numbers — it doesn't tell you what to buy or do. You decide.
Ask Warren provides general educational information about your own inputs and results and does not constitute personalized investment, tax, legal, or insurance advice, or a recommendation to buy or take any action. Warren can make mistakes — verify important details and consult a licensed professional before making decisions.
What you get
Required Minimum Distributions are the tax event most retirees see coming and still overpay on. This analysis calculates your per-account RMD schedule from your start age through 95 with the correct IRS table for your situation (including the Joint Life Table when a spouse more than 10 years younger is your sole IRA beneficiary, and the still-working exception for active 401(k)s), then stacks RMDs with Social Security, pension, and other income to show your federal bracket and Medicare IRMAA tier year by year. It quantifies the Qualified Charitable Distribution opportunity, models your first-RMD deadline and the cost of the double-RMD year, plans inherited-IRA distributions under the 10-year rule for you and your named beneficiaries, and shows how your Roth conversion plan bends the RMD curve.
Why it matters
Advisors calculate RMDs from IRS tables but rarely model the compounding income stack — how a growing mandatory withdrawal drags more of your Social Security into taxation and pushes you across Medicare premium thresholds. The QCD-IRMAA interaction alone is the highest-precision tax optimization available to most retirees, and it is almost never quantified.
What’s delivered
A personalized report: your per-account RMD table to age 95 with the escalation dynamic made explicit, an income-stack table with bracket and IRMAA tier per year, the QCD action years with premium savings in dollars, your first-RMD deadline analysis, inherited-IRA distribution plans, and the conversion interaction. Educational analysis only — not individualized tax advice.
What we’ll need from you
A short interview: your date of birth, December 31 retirement account balances by type, Social Security / pension / other income, filing status, charitable giving, and named beneficiaries. No documents to upload.
Dversify provides educational financial-analysis tools and does not provide personalized financial, legal, or tax advice. Figures shown are illustrative estimates based on the information you provide.