I Won't Let RMDs Ruin My Retirement. Here's My Plan to Manage Them.

I've been saving for retirement in a traditional 401(k) since my 20s. Do some Roth conversions before RMDs startThe tricky thing about Roth conversions is that they count as taxable income. I don't necessarily expect to be able to get all of my money into a Roth IRA. One strategy I plan to use is rolling some of my 401(k) into a traditional IRA and doing qualified charitable distributions, or QCDs. QCDs allow you to send funds from a traditional IRA to a registered charity directly.