'Is There Any Way to Lower the Taxes or Penalties?’ I’m 75 But I Haven’t Started to Take RMDs. Now What?

A 75-year-old reader explains they haven’t taken IRA distributions yet and asks if there’s a way to reduce taxes or penalties, and who can help. The columnist advises requesting a penalty waiver and recommends working with a CFP® professional, who is held to high standards and must act in your best interest. 

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