IRA distribution planning worksheetUse this worksheet as the first step in your distribution planning process. It is designed to help you and your financial advisor evaluate your current financial situation and future income goals.

List all your sources of retirement income.

When do you and your spouse intend to retire?

When will you need to begin withdrawing money from your IRA?

If applicable, list your required minimum distribution (RMD) amounts per IRA.

If you are already taking an RMD, do you think you are withdrawing the right amount from your IRA?

Yes

No

Do you understand how a Stretch IRA works?

Yes

No

Have you spoken to your parents about their IRAs and the benefit of a Stretch IRA?

Yes

No

Do you wish to leave IRA money to children who are minors?

Yes

No

Do you wish to leave IRA money to a trust or charity?

Yes

No

When was the last time you checked your beneficiary designations?

Make an inventory of beneficiaries to help organize your distribution planning.As your goals and financial situation change, you should review this information with your financial advisor.

IRA owner Beneficiaries Contingent beneficiaries

This worksheet does not constitute a beneficiary designation for any Putnam IRA. Please contact Putnam to change or designate a beneficiary on your Putnam IRA.

This material is for informational and educational purposes only. It is not a recommendation of any specific investment product, strategy, or decision, and is not intended to suggest taking or refraining from any course of action. It is not intended to address the needs, circumstances, and objectives of any specific investor. Putnam, which earns fees when clients select its products and services, is not offering impartial advice in a fiduciary capacity in providing this sales and marketing material. This information is not meant as tax or legal advice. Investors should consult a professional advisor before making investment and financial decisions and for more information on tax rules and other laws, which are complex and subject to change.

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