What are the most common RMD mistakes you see, sometimes even with well-prepared retirees?

One of the biggest mistakes that I see, even among people who have saved really well throughout their careers... is simply waiting too long to start thinking about these required minimum distributions and get a plan in place.

A lot of people don't start planning until they actually reach RMD age, and by then, some tax saving opportunities may have already slipped away.

For example, early retirement can be a great window to do Roth conversions, moving pre-tax dollars out of a retirement account and into a Roth IRA.

This would then shrink down the future RMD amounts and potentially decrease the amount of taxes owed over your lifetime.

One other big mistake can be only taking the bare minimum once RMDs begin.

With some strategic tax planning, it can sometimes make sense to take more than just the required amount, pay the taxes upfront, and then have lower RMDs in the future.

Where do people