And realizing that a simple decision - one most retirees never even think about - could reshape your taxes, your diversification, and even your long-term financial stability.

Every year, Americans over age 73 are forced to withdraw tens of billions of dollars from their retirement accounts. And year after year, most people follow the same path:

Take the RMD in cash and move on.

Not because it's the best choice.

But because no one ever tells them there's another way.

Your decision today could influence your strategy for years to come.