For many retirees, one of the most significant tax considerations in retirement planning revolves around Required Minimum Distributions (RMDs). These mandatory withdrawals from retirement accounts can have major implications for income tax, estate planning, and long-term wealth management—especially for couples who have accumulated substantial assets and do not rely on RMD income to meet their living expenses. Understanding how RMDs work, when they begin, and how to strategically manage them can help Massachusetts couples preserve wealth and minimize unnecessary tax burdens. What Is an RMD? A Required Minimum Distribution is the minimum amount that must be withdrawn each year from tax-deferred retirement accounts, such as traditional IRAs, 401(k)s, 403(b)s, and other qualified plans. Because contributions to these accounts were made with pre-tax funds, the IRS eventually requires distributions to ensure that taxes are paid on those funds. When Are RMDs Required? As of current federal law, individuals must begin taking RMDs starting at age 73 (or age 75 if born