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Category:
Retirement/Decumulation

RMD Tables Summary Guide

Ensuring retired clients take their Required Minimum Distributions (RMDs) on time—and in the correct amount—is an ongoing responsibility for advisors. Missing an RMD can result in significant penalties, making this an area where accuracy and clarity are essential.

This guide covers:

  • The Uniform Lifetime Table, Single Life Table, and Joint Life and Last Survivor Table
  • Clear explanations to help determine which table may apply in different client scenarios
  • The required withdrawal percentage by age to help verify RMD calculations
  • Guidance on when the “subtract 1” rule may apply

 

Click here for a client-facing email template.

Related Guides
Required Minimum Distribution (RMD) & Required Beginning Date (RBD) Rules
Category: Retirement/Decumulation
Required Minimum Distribution (RMD) Issues
Category: Client Meetings & Client Service Calendar, Retirement/Decumulation

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