As we get closer to the end of the year, it’s time to talk required minimum distributions or RMDs. It’s not something everyone is thinking about but if you’re 70 ½, the time to start pulling money out of your retirement accounts has arrived. Let’s talk about what you need to know with RMDs and how to minimize penalties and taxes.   Full Show Notes and Additional Resources: http://BeBullish.com  Today's Rundown: 0:32 – It’s that time of year for required minimum distributions.1:08 – Do you find that clients plan for these RMDs at 70.5 or does it come as a surprise?   2:30 – Another big surprise is the ticking tax time bomb that’s waiting on your when you withdraw from those pre-tax retirement accounts.  3:04 – There are some tax strategies we use.4:05 – You can give money directly to charity from your RMD and it’s tax-free.5:28 – A little bit of planning for RMDs goes a long way. For example, using in-kind transfers to keep growing your account.7:38 – Spotlight Segment with Courtney Dominguez8:24 – The couple she recently met with is in a transitional phase with less income coming in.9:31 – They had a fear of a correction in the stock market. Here’s what Courtney found in their plan.11:16 – The plan was to have all income from Social Security or generated from their portfolio so they don’t have to touch the principal in their retirement accounts.