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

The rules surrounding RMDs are complicated and often require a few conversations with an advisor to 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?” flowchart.

This flowchart addresses common questions about RMDs if you have reached RMD age including:

• What to do if you 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 you are still working or a business owner