I have been doing this for several years. I have a spreadsheet that I use to estimate taxes, and in early December I update it with my income, dividends and capital gains and decide how much I want to take in QCDs and then withdraw the remaining amount of my RMD with optimized tax withholding. I make sure I'm not falling over any cliffs and if I am, I up the QCD. This is usually when I decide if I want to take capital gains or losses, so it's a multi-day process until I feel I have appropriately optimized everything. After the dust settles the next year, I tweak my spreadsheet if necessary to make sure the estimated taxes comes close to my actual state and federal taxes.Can I stop paying estimated state and federal taxes 4 times a year and just have all taxes paid with one RMD distribution later in the year?
Statistics: Posted by testing321 — Sun Sep 21, 2025 1:36 pm — Replies 8 — Views 766