My standard advice to my clients who do NOT need the RMD to live on is to set up an auto draw for sometime mid December so the money can be kept in the account as long as possible to earn more dividends/cap gains. But do not set the date for the last couple of days in December just in case the broker slips up then there is still time to fix it ... remember the holidays can delay things and the failure to take the RMD penalty of 50% of the amount that should have been withdrawn is wicked and should always be avoided.
