Retirement Tax Services Podcast The "Simple" Stuff Matters with Matthew Jarvis
Jan 12, 2026
Matthew Jarvis, a seasoned financial advisor specializing in retirement planning, joins the conversation to emphasize the power of consistency over flashy tactics. He discusses required minimum distributions (RMDs), advocating for proactive communication with clients starting around age 60. Jarvis believes translating RMDs into understandable numbers enhances client engagement. He also proposes using RMD insights for Roth conversion strategies, thus managing future tax implications. Practical tips, such as rounding RMDs and reminders, showcase a system for delivering continuous value.
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Begin RMD Conversations Years Early
- Start talking about RMDs with clients well before they start, around age 60 and certainly by 68.
- Proactively calculate and explain future RMDs so clients aren't surprised and can plan conversions or gifting now.
Show Dollars, Not Factors
- Translate RMD factors into concrete dollar amounts for clients instead of reciting tables or percentages.
- Use simple scenarios (e.g., $1,000,000 => $48,000 RMD) to motivate actions like staggered Roth conversions.
RMDs Are Minimums, Include Existing Withdrawals
- Remember the RMD is a minimum and counts toward distributions clients already take.
- Check existing monthly distributions before assuming an extra RMD withdrawal is required.