A very good questions was asked:
Would you talk about what happens to us at the 70.5 mark when we have to start withdrawing money from IRA accounts but really don’t need to do so?

A:

  Many of my clients are in this position, what to do with funds you do not want to withdraw but have to.  A tax free fund is a great investment for the RMD withdrawal, the principal is generally stable, the yield is nice and tax free.  Another option is to fund a 529 savings account for the Grandkids.  This can be a wonderful gift to them and their Parents.  The third option is to use the RMD to fund a Long Term Care Policy or Life Insurance Policy  that can be used to pay potential Estate Tax.