Avoid RMD Penalties! Required Minimum Distributions Explained (2025 Guide)

Planning for retirement involves more than just saving—it also means understanding the rules around withdrawing funds from your accounts. One critical regulation that affects retirees is Required Minimum Distributions (RMDs).

In this installment of Armbruster Capital Management’s Investing 101 series, we break down what RMDs are, why they exist, and how they impact your tax-deferred retirement accounts like IRAs, 401(k)s, and 403(b)s. Failing to adhere to these requirements can result in significant penalties, so it’s essential to know the details.

Join us as we explore everything you need to know about RMDs—from how they’re calculated to what happens if you don’t take them—and how smart planning can help you maximize your retirement savings.

Watch the full video here and subscribe to Armbruster Capital’s YouTube channel for more expert financial insights!

For more on this series, check out our video What is a QCD? Qualified Charitable Distributions Explained (2025 Guide).