A case study reveals that relocating from California to Nevada can save retirees with a $2.1 million IRA six figures in state income tax over 20 years on Required Minimum Distributions (RMDs). This is due to California's 9.3% state income tax on RMDs versus Nevada's 0%. However, the move does not eliminate federal tax exposure, as Medicare premium surcharges (IRMAA) still apply for Modified Adjusted Gross Income (MAGI) above $109,000 for single filers in 2026, and up to 85% of Social Security remains federally taxable. Qualified Charitable Distributions (QCDs) up to $111,000 in 2026 can satisfy the first RMD and keep it out of Adjusted Gross Income (AGI).