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The First-Year Tax Bomb

How Big 401(k)s Detonate at RMD Time, and the Defusal Plan

• The year your 401(k) stops being a shelter and becomes a target.
• Why a $1 million balance can trigger a five-figure surprise at 73.
• The defusal window most savers waste, and exactly how long you have.
• Three moves that shrink RMDs before the IRS sets your schedule.