Store / The RMD Playbook and 10-Year Schedule
Know every required withdrawal for the next ten years, and what each one does to your taxes.
Every rule you need, the full table, and the ten years of withdrawals nobody shows you.
“How much do I have to take out each year, from which account, and what does it do to my taxes?”
- Instant download
- 30-day refund
- Secure checkout by Stripe
Or get all five for $147.
What you get
- The four questions answered on page one, before any explanation
- The full Uniform Lifetime Table, ages 72 to 100, printed to read
- Aggregation rules for IRAs, 403(b)s, 401(k)s and inherited accounts
- A ten-year projection worksheet plus a worked $700,000 example
- The missed-RMD correction procedure and the Form 5329 waiver request
- A one-page January checklist you run every year
Look inside
These are pages from the actual file, not mockups.
Everything it covers
- The four questions, answered first
- Which accounts have an RMD, and which balance you use
- The aggregation rules
- The first-year trap: April 1
- The Uniform Lifetime Table, ages 72 to 100
- Worksheet: this year's RMD, account by account
- The ten-year curve: a worked example and your own schedule
- What the curve does to the rest of your return
- The QCD: satisfying an RMD without adding to AGI
- When an RMD is missed
- Inherited accounts
- The January checklist
Questions before you buy
How do I get it?
Checkout is handled by Stripe. As soon as your payment goes through you land on the download page, and the files are yours to keep.
What if it is not useful to me?
There is a 30-day refund. If it does not help, ask for your money back.
Do I need Excel?
Only for the workbook, which opens in Excel. The PDF stands on its own: every worksheet is printed in it, so you can do the whole thing with a pen.
Is this advice for my situation?
No. It is education: the rules, the tables, and the arithmetic, so you can run your own numbers. It is not tax, legal or investment advice. If you want someone to look at your situation with you, book a free second opinion.
Which tax year is it built on?
This is the 2026 edition. Every table uses 2026 figures, and each one names the government source it came from.
After you buy
Bring the filled worksheet to a free call and I will check your numbers.
Thirty minutes, in person at a Fidelity Bank branch, by phone or by video. You bring the worksheet and one statement; I check the figure line by line against your situation and you leave with the three things worth doing next, in writing. No charge, and nothing moves unless you decide it should.
James Ustby, CFP®, APMA® · wrote every page
All five guides for $147.
Bought one at a time they come to $205. The library is every guide and every workbook in one download.