Retirement tax planning isn't simply about following IRS rules or minimizing what you owe this year. Jeremy Keil answers three listener questions that demonstrate why focusing on one tax return at a time can lead retirees to miss opportunities to manage their taxes over the course of retirement.

Jeremy breaks down two different five-year rules that can apply to Roth IRAs, including what happens when you complete a Roth conversion after having an existing Roth IRA for years. He then explains why taking only the required minimum distribution from an inherited IRA isn't automatically the best strategy under the 10-year rule, and how qualified charitable distributions may be available from inherited IRAs for eligible account owners.

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