Retirement tax questions

Thanks for the heads-up for 2021, but what about 2020?

 

Sounds like for 2020, I have a choice of legally allowing the government to rob me thru RMDs, or allow a financial planner or financial adviser to legally sell from me.  Not much choice, is it?

 

You said, "They will probably try to put you into an annuity. Be careful."  Any major pitfalls to be carefully of? 

 

What about 2020?