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Imagine discovering that the way you take your Required Minimum Distribution (RMD)

could influence your taxes, reinvestment strategy, and long-term retirement plan.

Each year, Americans over age 73 are required to withdraw more than $35 billion from their retirement accounts. Yet many retirees don’t realize that how they take their RMD may affect their overall financial strategy.

Most people take their RMD in cash because it’s the default—and often the only option their advisor mentions. However, withdrawing in cash may increase taxable income, reduce the amount that remains invested, and expose investors to market-timing challenges.

There's Another IRS-Approved Option

Many retirees are unaware that RMDs can also be taken “in-kind,” meaning you can receive certain assets—such as physical gold or silver—instead of taking the distribution in cash.

Taking an RMD in-kind does not eliminate taxes, but for some investors it may:

Help maintain their long-term allocation
Reduce the impact of selling assets during market volatility, and
Support diversification, depending on their overall plan

This IRS-allowed method is fully legitimate, though not commonly highlighted in traditional planning conversations.

Before Taking Your Next RMD, Consider:

Are you aware of all the IRS-approved ways to satisfy your distribution?
Could an in-kind RMD better support your diversification goals?
Are you unintentionally selling assets at a time that may not align with your strategy?

Understanding your options is essential.

This guide breaks down the differences so you can make an informed decision before taking your next withdrawal.

Allegiance Gold, LLC is not a broker-dealer and does not provide investment, tax, or legal advisory services. No statement in this communication should be construed as a recommendation to purchase or sell any security, or as investment, tax, or legal advice. Precious metals, like all investments, carry risk, are not suitable for all investors, and past performance does not guarantee future results. We do not guarantee any investment performance. Please consult your own investment, tax, or legal advisor prior to making any investment decision. Third-party information quoted or presented by us in this communication represents only the opinions of the third party and we do not endorse any third-party source of information. We are not affiliated with the U.S. Mint or any government agency. ©Allegiance Gold, LLC 2026