@alexb23 RMDs are for tax advantaged accounts (401k, etc) only. So if she reinvests in a regular old brokerage she would just pay capital gains taxes on the growth after it grows.
@takeonme A) after all the others are maxed and you still want to save more
B) to spend between retirement and Medicaid and keep your AGI and taxes low.
@decency $130k/yr is about 2% of $8m. Unless her spending patterns change, she will likely leave more than what she currently has.
Her RMDs will get larger. Have her open a regular HYSA or Brokerage acct for what she doesn’t spend.