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Category:
Retirement/Decumulation

Required Minimum Distribution (RMD) & Required Beginning Date (RBD) Rules

Can I Avoid Taking My RMD After Reaching My Required Beginning Date (RBD)?

The rules surrounding RMDs (Required Minimum Distribution) are complicated and often require a few conversations with clients to help them understand the issues that must be considered.

To help make this easier, we have created the “Can I Avoid Taking My RMD After Reaching My Required Beginning Date (RBD)?” flowchart. This flowchart addresses common questions about RMDs for clients that have reached RMD age, including:

  • What to do if a client forgot to take an RMD
  • How the RMD is calculated
  • How to handle multiple retirement accounts
  • Which RMDs can be combined and which ones can not
  • Considerations if the client is still working or a business owner
Related Guides
Required Minimum Distribution (RMD) Issues
Category: Client Meetings & Client Service Calendar, Retirement/Decumulation

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— Roger Whitney, CFP®️, CIMA®️, CPWA®️
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