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

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The rules surrounding the 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?” This flowchart addresses common issues regarding Required Minimum Distributions as a result of turning age 72 (or age 70.5):

  • What to do if you forgot to take an RMD
  • How the RMD is calculated
  • Which RMDs can be combined and which ones can not
  • Implications if the client is still working
  • Implication if the client owns more than 5% of the company

Updated for 2020 (including The SECURE ACT)

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“You just continue to put out great content on fpPathfinder. The 'What Issues Should I Consider Before The End Of The Year' checklist is fantastic.”
— Chris, an advisor in Illinois
“I love your resources, you guys & gals have helped us take our practice to the next level!”
— Trevor, an advisor in California
“It is very helpful for us when we have a client in and we have an issue at hand. Walking through the checklist helps us big time.”
— William, an advisor In Massachusetts
“This has been super helpful and I am getting rave reviews in using these flowcharts and checklists”
— Christoper, an advisor in Illinois
“fpPathfinder is a great tool! It mirrors much of what I've developed on my own for tax planning, life events, etc. However, it's been great to double-check my own work in those areas and also to motivate me to deepen my knowledge on other topics”
— Jonathan, an advisor in Colorado
“I think fpPathfinder is the best tool I’ve ever seen in the financial planning realm. I spend an unbelievable amount of time researching some of these issues that have been boiled down to one page: consulting with other experts, citing specific sources as a backup, reviewing my work, and coming to a final conclusion.”
— Jeff S, an advisor in Missouri
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