Once required minimum distributions begin, the IRS decides how much comes out of your IRA each year.

But it doesn’t decide when…

You can take it all in January, wait until December, or spread it out across the year.

At first glance, the choice seems almost meaningless: the required amount is the same, and the distribution still lands in the same tax year.

But the timing can matter in ways that aren’t always obvious.

And even if you’re years away from taking RMDs, this is a decision you’ll eventually need to make if you have money in pre-tax retirement accounts.

Here’s what you’ll learn:

• The 3 things RMD timing can still affect (and how much each one really matters)
• Why the order of your RMD, charitable gifts, and Roth conversions can matter more than the month you withdraw
• When taking your RMD early, late, or throughout the year makes the most sense

By the end, you’ll have a simple framework for thinking about RMD timing before it becomes another retirement decision you’re forced to make on the fly.

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