You're going to pay tax on RMDs - there's no way around it. Or is there?

RMDs are a fact of retirement planning, and taxes on them are hard to dodge. The age when RMDs begin depends on birth year — 73 or 75 — and withdrawals are taxed at ordinary federal rates. Because withdrawals add to adjusted gross income, they can push you into higher brackets and affect how much of Social Security benefits are taxable, as well as Medicare premiums through IRMAA. Free calculators exist to estimate current and future RMDs, but for those in their 50s and 60s the key question remains: how high will tax rates be years from now? Experts say it will not be lower than today.