RMD Withdrawal Question

Happy24 — Wed, 17 Sep 2025 17:41:17 GMT

I need to take a RMD withdrawal before 12/31/25. When is the best time to take it and if I make a 4th quarter estimated payment will it cover the tax on the withdrawal?

Re: RMD Withdrawal Question

xmasbaby0 — Wed, 17 Sep 2025 17:57:51 GMT

We do not know if making an estimated 4th quarter payment will cover the tax on your RMD since we have no idea whatsoever how much income you have had or how much your RMD will be. When you enter your 1099R for the distribution from the retirement account, the software will reconcile all of your income and all of the tax paid or withheld during the year to determine whether you owe more or get a refund. As far as "when" to take your RMD-- do it before the end of the year. Waiting until December 31 would be a poor choice. Give your financial institution a chance to process the distribution and issue a 1099R to you.

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RMD Withdrawal Question

Re: RMD Withdrawal Question