A new year raises an old, perennial question about how retirees should optimize the use of their retirement savings.

Failing to take RMDs leads to a 25% penalty on the amount you failed to withdraw. Roth accounts and some 401(k)s from current employers are exempt from RMDs. Qualified charitable distributions (QCDs) ...

Every year, around tax time, FINRA receives questions from investors about required minimum distributions, or RMDs. In a nutshell, an RMD is the amount you must take out of your traditional retirement ...

The IRS mandates that adults 73 and older take required minimum distributions (RMDs)-- mandatory annual withdrawals -- from their retirement accounts by Dec. 31 or else face a costly 25% penalty on ...