Help guard your retirement
Why should I spend 30-minutes attending this webinar?
The Biggest RMD Rule Changes in Two Decades—And the Deadline Is Already Here
Required minimum distributions have changed more than most retirees realize. The age you must start taking RMDs has moved from 70½, to 72, to 73 today—and it’s set to shift again to 75 in the years ahead. At the same time, the penalty for missing an RMD has been cut from 50% down to 25%—but don’t let that fool you. By the time you add the tax you owe on the missed distribution plus the penalty, you can still end up losing 35% or more of that money.
Join us for this free educational webinar to learn exactly what triggers your RMD, how to avoid the penalty entirely, and the common mistakes—from “safe” investments to misunderstood annuities—that quietly cost retirees their principal before December 31.
Event Details
📅 Thursday, July 23, 2026, 6:30 PM CT
📍 Online Educational Webinar
(free, no obligation)
Why This Matters Now
Once you turn 73, the IRS requires you to start withdrawing money from your 401(k), IRA, or 403(b)—whether you need the income or not.
Miss the amount, the timing, or the rules around it, and you’re not just paying income tax. You’re facing a penalty on top of it—up to 25% of what you should have withdrawn. If you’ve inherited an IRA, it’s even trickier: a strict 10-year withdrawal rule now requires annual distributions in most cases, and many beneficiaries who assumed they could simply let that money sit are already out of compliance without realizing it.
At the same time, market volatility and rising costs can make it tempting to move money into “safer” options—without realizing those choices may not generate enough income to satisfy the RMD without eating into your principal.
The question isn’t whether your RMD is coming—it’s whether your retirement income plan is ready for it before December 31 arrives.
The RMD Trap
Most people spend decades focused on growing their retirement savings.
But once you’re forced to withdraw, growth alone isn’t enough.
When the IRS requires you to take money out every year, and that requirement grows larger as you age, your investments need to produce real income—interest, dividends, gains—or you end up selling off the very principal you spent a lifetime building.
A strategy built for accumulating wealth isn’t always built for withstanding required distributions.
That’s the RMD trap.
Is This Webinar Right for You?
Frequently Asked Questions
Anyone who is retired or planning to retire within the next 10 years.
Yes! We encourage you to ask questions during the live webinar. We’ll answer as many general retirement planning questions as time allows.
If we aren’t able to get to your question during the webinar, we’ll follow up the next business day if it’s a general question. If your question relates to your personal financial situation, regulations require us to discuss those details in a private conversation. We’ll be happy to schedule a complimentary consultation so we can answer your questions thoroughly and in a way that’s specific to your needs.
No. This webinar is educational and designed to help you better understand retirement planning concepts.
Matthew P. Johnson
Investment Advisor Representative | Owner and President
Matthew Johnson has helped individuals and families prepare for retirement since 1999. His focus is helping clients transition from growing retirement savings to creating dependable retirement income designed to support their lifestyle through changing markets and economic conditions.
The information provided herein is for educational purposes only and does not constitute an offer to sell or a solicitation of an offer to buy any securities, investments, investment strategies, or investment advice relating to securities, nor is the information a representation that any security is a suitable or appropriate investment for any person. In addition, please consider the appropriateness of the advice having regard to your own objectives, financial situation, and needs. This presentation does not constitute legal or tax advice. Participants should not act or refrain from acting based on the content of this presentation without seeking appropriate professional advice specific to their individual situation. All investment returns are hypothetical, and where quoted, past performance is not indicative of future performance. Sound Income Strategies, LLC does not create this document nor represent or warrant that the contents of this document are suitable for you from a compliance, regulatory, legal or any other perspective. We shall have no responsibility for your use or non-use of the document or any portion thereof. Investment Advisory Services offered through Sound Income Strategies, LLC, an SEC Registered Investment Advisory Firm. Johnson Wealth and Income Management and Sound Income Strategies, LLC are not associated entities. Johnson Wealth and Income Management is a franchisee of Retirement Income Source®. Retirement Income Source® and Sound Income Strategies LLC are associated entities.
