- If older than 70.5, make Qualified IRA Charitable Distributions
- Utilize RMDs to pay quarterly estimates
- Transfer IRA portion to qualified longevity annuity
- Waive 60 day rollover penalty through broker statement
- Utilize Roth IRA for aggressive investments
- Utilize backdoor Roth for higher income Americans
- Utilize stock distribution tool of RMD
- Make IRA contributions late in life
- Utilize saver’s credit
- Utilize refund to fund IRA deposit
- Utilize working spouse’s income to make IRA contribution for non-working spouse
- Fund Roth with Social Security
- Fund a Roth for children and grandchildren to start five year holding period
- Utilize double back door Roth for 401Ks with post tax money
- Convert IRA to Roth
- Convert 401K to Roth
- Accelerate IRA withdrawals
- Make IRA contribution when just above bracket change
- Remember 10% early withdrawal exceptions
- Utilize 60-day rollover rule for short-term cash needs