If you're in retirement, or approaching it, you know about Required Minimum Distributions (RMDs). The IRS says you have to start withdrawing money from your retirement accounts. But what if you don’t actually need the money right now? What if it feels more like a tax trap than a reward for decades of saving? You're not alone, and you’re not stuck.

In this episode of Make It Personal, we tackle the often-confusing world of RMDs with a refreshing mindset shift: what if these “required” withdrawals could actually work for you? Host Mark Zagurski breaks down eight clear, actionable strategies to put your RMD money to smart, purposeful use, whether you're focused on legacy, giving, or simply staying tax-efficient.

In this episode, you’ll learn how to:

→ Reinvest RMDs in a taxable account to stay in control of your tax bill

→ Use RMDs to fund a Roth IRA, and why that’s a legacy game-changer

→ Make charitable donations that reduce your taxes and boost your impact

→ Gift money in tax-smart ways to support loved ones or big milestones

→ Leverage RMDs for long-term care or insurance planning with purpose

“The IRS may require you to take the money out, but what you do with it is entirely your choice.”

Listen now and take one small step toward a retirement that’s not just secure, but meaningful.

Don’t forget to subscribe, share with a friend facing their own RMD questions, and journal one strategy that feels right for you.

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Investing involves risk, including loss of principal.

This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Please consult with the appropriate professional regarding your personal situation prior to making any financial decisions. Strategies discussed may not be suitable for everyone. Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Mutual of Omaha Advisors is a division of Mutual of Omaha Insurance Company.