I'm still a few years away from RMD.
I'm luck to have some assets, but tax planning is a bitch.
Between investments, SS, and RMD, I will be hitting the added taxes of IRMAA.
One thing I plan on doing is a QCD each year. Amount to be determined, but I am thinking of doing 50% IRA distribution, and 50% QCD, and staying under the income limits for IRMAA. I may also move more taxable interest into STOCKS for potential long term gains and lower annual taxes, but I am somewhat shy of doing too much in the market.
OK - point of this post is asking for QCD ideas, Do's, and Don'ts. Any other tax planning advice would also be appreciated. YES, I am already doing ROTH conversions as much as I can each year.
FYI - part of the reason for the QCD is that it satisfies IRS RMD requirements, and also I am doing my gift giving while alive rather than waiting and doing it in my WILL.
S0 again, any QCD planning, or other tax planning advice, is appreciated.