The SECURE 2.0 RMD & Inherited IRA Strategy Command Center - Stackwise

Required minimum distributions don't care what's convenient for you. Take too little and the IRS charges up to 25%. Take it the wrong way and you pay more tax than you need to. Inherit an IRA and a 10-year clock starts ticking.

The SECURE 2.0 RMD & Inherited IRA Strategy Command Center

Takes the guesswork out, with the S.T.A.C.K. Method: See your number, Time it right, Aim at your bracket, Charity first and Keep your heirs in mind.

WHAT YOU CAN DO WITH IT

✔ Work out this year's RMD for every account, with the IRS divisor and the add-up rules (IRAs together, 401(k)s on their own, never across spouses)

✔ Decide your first RMD: take it by Dec 31, or wait until April 1 and take two in one year?

✔ See what your RMD really costs: the Social Security "tax torpedo," the senior deduction and Medicare IRMAA surcharges

✔ See what a QCD saves compared with writing a check to charity

✔ Map your RMDs to age 100 and test a plan to smooth them out, including the survivor (single filer) years

✔ Inherited an IRA? Find your rule in 5 questions, see this year's minimum and compare 3 ways to empty it under the 10-year rule

✔ Fix a missed RMD with the Form 5329 waiver steps, track every withdrawal and review every beneficiary form

WHAT'S INCLUDED (5 files + bonus EPUB)

📘 38-page Guide (PDF): Quick-Start, 2026 key numbers on one page, RMD math, deadlines, the tax bite, QCDs step by step, the inherited-IRA rules (2024 final regulations), 3 inheritance strategies, spouses and trusts, a yearly routine and 8 costly mistakes

📊 18-tab Workbook (Excel + Google Sheets): Dashboard, Your Profile, RMD This Year, First RMD Timing, QCD Planner, Lifetime Setup, Scenario A and B, Inherited IRA, 10-Year Strategies, Missed RMD Fixer, RMD Calendar, Withdrawal Log, Beneficiary Review 2026 Tax Tables with both IRS life expectancy tables, plus Start Here and helper tabs. Live formulas throughout.

🖥 RMD Strategy Studio (HTML): opens in any browser, works offline, same math with live charts

✍ 12 Fillable Worksheets (PDF): account list, RMD math, first-RMD decision, withholding plan, tax bite, smooth-out plan, QCD plan, inherited-IRA rule finder, 10-year plan, beneficiary review, missed RMD fix and a "For My Family" page

📄 8 Templates (Word): QCD request letter, charity acknowledgment request, RMD and withholding instructions, Form 5329 waiver letter, inherited-IRA transfer request, 10-year plan memo, a letter to your beneficiaries and a beneficiary update request

📱 Bonus: The Guide as an EPUB eBook for your phone

THE EXAMPLES INSIDE

Ray (74) and Diane (72) have $1,390,000 in five pre-tax accounts (plus a Roth IRA). Ray's 2026 RMD is $34,706, and it costs them 20.3% in federal and state tax even though they're in the 12% bracket. Giving their $8,000 to charity as a QCD instead of a check saves $1,856 of federal and state tax this year.

Daniel (58) inherited $520,000 from his mother: choosing the right 10-year strategy keeps him about $40,346 more (today's dollars) than taking the minimum and the rest in year 10.

WHO IT'S FOR

US retirees taking RMDs, people turning 73 or 75 soon, anyone 70½+ who gives to charity, new widows and widowers, adult children who inherited an IRA or 401(k), and family members helping a parent with their accounts.

GOOD TO KNOW

• Instant digital download. Works with Microsoft Excel, Google Sheets, LibreOffice and any modern browser.

• 2026 federal rules, verified October 2026, including the IRS's final RMD regulations and the $111,000 QCD limit. Update one Tax Tables tab for future years.

• Educational tool, not tax, legal or investment advice. Review your decisions with a CPA, enrolled agent or fee-only fiduciary planner.

Stack money. Be wise. · Stackwise