RMDs

By Terry Savage on November 24, 2025 | Financial Planning / Retirement

I will be taking RMDs soon. Does it matter if I take them all at one time or spread the distributions through the year? I feel taking them asap (in January) is best so I can start getting gains free from taxes, but not sure if it makes any difference in the amount of tax I pay for the conversion. I pay quarterly estimated taxes….would these need to be adjusted if I did conversions in January vs quarterly?
Thank you!

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