The Still-Working Exception to Required Minimum Distributions at Age 73
Required minimum distributions usually begin at age 73, but the IRS allows many workplace plan participants who are still on the job to delay them. Whether the rule applies depends on the type of account and your ownership stake.
All Tax Planning Articles14 more
The RMD Timing Wrinkle: Why Your First Required Withdrawal Isn't Just About Turning 73
Required minimum distributions are often summarized with a single age, but the IRS rules allow the first withdrawal to be delayed, which can push two distributions into one tax year. Here is how the timing actually works.
July 9, 2026
Why Required Minimum Distributions Have Two Deadlines, Not One
Required minimum distributions are usually described with a single age, but the IRS rule includes a timing wrinkle that can push two withdrawals into the same calendar year. Understanding the difference between your first distribution year and your first deadline can help you avoid a surprise on your tax return.
July 2, 2026
Why 'Tax-Free' Roth Withdrawals Depend on Both the Five-Year Rule and Your Age
Roth accounts are often called tax-free, but the IRS applies specific conditions. Understanding what makes a distribution 'qualified' helps clarify when Roth earnings truly come out without tax.
June 25, 2026
How Account Type Changes the Rules for Required Minimum Distributions
Required minimum distributions are usually explained as an age rule, but the type of account you hold matters just as much. Here is how traditional and Roth accounts differ under IRS guidance.
June 18, 2026
Why Your First Required Minimum Distribution Can Create Two Withdrawals in One Year
Required minimum distributions begin at age 73, but the deadline for your first one can push two taxable withdrawals into the same calendar year. Here is how that timing works and why it matters.
June 11, 2026
Why the Years Before Age 73 Are a Critical Tax Planning Window
Required minimum distributions begin at age 73, but the planning that shapes their impact happens years earlier. Understanding that window can change how much of your retirement income you keep.
June 4, 2026
The Pre-RMD Window: Why the Years Before Age 73 Matter for Your Tax Bill
Required minimum distributions generally begin at age 73, and they are fully taxable. The years before that deadline offer a rare chance to manage how much of your retirement savings the IRS eventually claims.
May 28, 2026
How Roth Conversions Can Trigger Medicare Surcharges, and How Retirees Time Them Around IRMAA
A Roth conversion adds taxable income that can raise your Medicare premiums two years later. Understanding the 2026 IRMAA thresholds helps retirees size conversions carefully in the years before required distributions begin.
May 21, 2026
Roth Conversions and the IRMAA Cliff: Why Timing Matters Before Age 73
Roth conversions can lower future required minimum distributions, but a large conversion in a single year can trigger Medicare premium surcharges. Here's how the IRMAA cliff works and why spreading conversions matters.
May 14, 2026
The 2026 Tax Brackets: What Inflation Adjustments Mean for Retirees
On October 9, 2025, the IRS announced inflation-adjusted tax parameters for 2026—including a standard deduction of $32,200 for married couples and modestly wider brackets that provide modest relief for retirees on fixed income.
October 9, 2025
The Retirement Tax Trap: RMDs, Roth Conversions, and the IRMAA Cliff
Required minimum distributions, the Roth conversion window in early retirement, and how Medicare IRMAA surcharges can quietly raise your costs — and what to do about it.
January 15, 2025
Roth Conversion Demand Surged in 2025: What's Driving It and What to Know
A combination of TCJA sunset concerns, rising pre-tax balances, and awareness of future RMD burdens pushed Roth conversion activity to elevated levels in 2025—here is the case for and the cautions about the strategy.
October 29, 2024
The 2025 Gift Tax Annual Exclusion: What Retirees Need to Know
The IRS raised the gift tax annual exclusion to $19,000 per recipient for 2025. Understanding how this interacts with the lifetime exemption and stepped-up basis rules helps retirees think more clearly about wealth transfer.
October 22, 2024
SECURE 2.0 RMD Clarifications: What the IRS Finally Confirmed in 2025
After years of interim guidance and waived penalties, the IRS finalized inherited IRA rules in mid-2024 and made clear that 2025 is the year they actually take effect—here is what beneficiaries and planners need to know.
July 19, 2024Also from REN
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July 13, 2026Why Long-Term Care Is Different From Medical Care, and Why That Distinction Matters
July 12, 2026How Your Bank Account Is Titled Can Override Your Will
July 8, 2026Free Weekly Briefing
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