A message from the Trump family on gold, retirement accounts,
and what could come next. SMART
STOCK CATCHERS

Daily Briefing

THE IRS WON’T LET YOUR RETIREMENT
MONEY SIT FOREVER

Once Required Minimum Distributions kick in, the government
generally requires money to start coming out of certain
retirement accounts.

For many retirees, that starts at age 73.

And there’s one detail that can make RMD season especially
painful:

Miss the required amount and the potential IRS excise tax can be
25% of the shortfall.

So the question isn’t simply:

“How much do I have to withdraw?”

It’s also:

“What should I do with the money once it comes out?”

That question has pushed some retirees to take another look at
an asset Americans have turned to during periods of inflation,
market turmoil and uncertainty:

Gold.

We put together a FREE guide explaining the RMD rules
( [link removed] )
retirees should know — plus ways gold can fit into a broader
retirement strategy.

👉 See Gold Guide here >>
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If RMDs are already part of your retirement, don’t wait until
December to understand your options. THE
EDGE - BRIEF NO. 40 An Extra Data Point Added Almost Nothing for
Most People. For a Narrow Group in the Middle, It Changed
Everything. A 10-year study tested whether adding a detailed scan
on top of an already-solid estimate improved anything. For most
people, it barely moved the number. For the specific group whose
risk was already ambiguous, it was the difference that mattered.
WHAT WAS ASSUMED A more detailed, more expensive measurement is
generally treated as an upgrade over a simpler estimate for
everyone it's applied to, on the logic that more direct
information should sharpen the picture no matter where someone
already sits on the risk scale. WHAT GOT TESTED Published in
JAMA, Northwestern Medicine researchers followed more than 6,000
adults ages 45 to 79 for a decade, comparing PREVENT, the
American Heart Association's standard cardiovascular risk
calculator, against PREVENT combined with a coronary artery
calcium scan, a direct measurement of calcium buildup in the
heart's arteries. BY THE NUMBERS Little added, overall
THE RESULT ACROSS THE FULL POPULATION Across the entire study
population, adding the calcium scan to PREVENT produced only a
modest improvement in predicting who would actually have a heart
attack or stroke over the following decade, with 6% of
participants experiencing one of these events. 3% to 9% THE
NARROW BAND WHERE IT ACTUALLY MATTERED For adults whose
PREVENT-estimated 10-year risk landed in this borderline range,
the calcium scan meaningfully sharpened the picture, shifting
some people toward a clearly lower actual risk and others toward
a clearly higher one. Senior author Dr. Nilay Shah noted that in
already-low-risk people the scan adds little, and in
already-high-risk people it changes nothing since treatment is
recommended regardless of the result. THE TAKEAWAY Dr.
Shah's own framing was pointed: the goal is using the scan when
the result has a realistic chance of changing what happens next,
not applying it automatically to everyone. This finding also
carries a specific limitation forward, since the study population
ran ages 45 to 79 and left open whether the same narrow-band
pattern holds for younger adults or specific higher-risk ethnic
groups. The general shape is what travels well beyond this one
scan: a more detailed data point is not uniformly valuable across
an entire population, it is valuable specifically where the
existing estimate is genuinely ambiguous, and close to worthless
where the simpler estimate already gives a clear answer. Worth
checking any additional data source, dashboard, or deeper
analysis added on top of an existing estimate for whether it
earns its cost across the board, or only in the narrow band where
the existing read was already uncertain. PRIMARY SOURCE
ScienceDaily / JAMA, Northwestern University - Who really needs a
heart calcium scan
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This brief summarizes published research for general
context and does not constitute financial or medical advice.
Individual results and risk tolerance vary; consult a licensed
professional before acting on any of the topics discussed.
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