RMD Shield
Call: 800-839-9248
Required Minimum Distributions

Is there a “Tax Time Bomb” hidden in your retirement plan?

When you saved in a traditional 401(k), IRA, TSP, or other qualified plan, the IRS also reserved a portion for taxes. RMDShield™ helps you plan when and how to take withdrawals so you can keep more of what you’ve saved.

  • See how RMDs may affect your taxes and retirement income.
  • Review options to reposition certain tax-deferred assets.
  • Coordinate income, beneficiaries, and legacy goals.
Call 800-839-9248 Request your RMDShield™ Analysis
IRS agent lighting the fuse on a tax time bomb
What is RMDShield™?

A clear, step-by-step plan for tax-wise RMDs

RMDShield™ is a way of looking at your accounts, Required Minimum Distributions, and taxes so you can make more informed decisions about when and how to take withdrawals.

1) Assess

We model your current accounts, projected RMDs, Social Security, and taxes under multiple scenarios.

2) Optimize

We sequence withdrawals and consider partial Roth conversions, QLACs, and other tools appropriate to your situation.

3) Implement

You receive a prioritized action plan with timing, amounts, and coordination across accounts.

The 7 RMDShield™ Strategies
  • Strategic Roth Conversions to shift growth to tax-free buckets over time.
  • Qualified Longevity Annuities (QLACs) as appropriate for longevity income using a portion of qualified funds.
  • Tax-Smart Withdrawals & Income Layering to manage brackets intentionally before and after RMD age.
  • Qualified Charitable Distributions (QCDs) to satisfy RMDs tax-efficiently if charitably inclined.
  • Asset Allocation & Tax Planning—the right assets in the right accounts.
  • Social Security, Medicare & RMD Integration to reduce IRMAA and the “tax torpedo.”
  • From Taxable to Tax-Free: positioning to leave more tax-efficient assets to beneficiaries.

Potential Benefits

  • Reduce Required Minimum Distributions (RMDs)
  • Lower Adjusted Gross Income (AGI) and taxes
  • Lower Medicare Part B premiums (IRMAA)
  • Reduce taxes on Social Security and other means-tested benefits
  • Leave more tax-efficient wealth to your beneficiaries
Who We Are

Richard Easterbrook, CFP®

For over 30 years, Richard(Dick)Easterbrook, CFP®,and his Team have helped federal, state, and local government employees make the most of their benefits—from FERS and CSRS pensions to FEGLI and TSP. RMDShield™ extends that expertise nationwide, showing retirees how to defuse the “tax time bomb” inside qualified plans and keep more of their income.

  • Clear, educational guidance—no jargon.
  • Fiduciary advisory through Royal Fund Management, LLC.
  • Coordination with your CPA and estate attorney when needed.
Richard Easterbrook headshot

Contact

Phone: 800-839-9248
Email: info@RMDShield.com
Website: RMDShield.com

Request your analysis

Get Started

Request your RMDShield™ Tax Time Bomb Analysis

Prefer the phone? Call 800-839-9248. Or send a note and we’ll reach out to coordinate a time. No cost, no obligation.

Quick Contact Form

Submitting this form does not create an advisory relationship. Information is kept confidential.

What happens next

  1. Quick call to understand your goals.
  2. We guide you through a simple checklist of what to provide.
  3. You receive your personalized RMDShield™ plan.

Prefer email? info@RMDShield.com