‘Tis the season for last-minute shopping, family get-togethers, and year-end financial tasks. But many Americans forget the last item – or don’t do it correctly – leading to tax penalties and, often, similar mistakes in subsequent years, according to a new report. The analysis, from wealth management behemoth Vanguard, looks at Required Minimum Distributions. Millions of Americans participate in retirement accounts like 401(k)s and IRAs, which allow participants to tuck away money tax-free until later in ...