SECURE 2.0 retirement age

Submitted by Bill Briner on Fri, 2022-12-23 14:24

If the new age 73 starting age for RMD’s doesn’t become effective until January 1, 2023, please confirm that someone having their 72nd birthday in 2023 is not subject to an RMD in 2023.

Thank you.



Submitted by Alan - IRA critic on Fri, 2022-12-23 15:10

  • That’s correct. Their first RMD distribution year would be 2024, with an RBD of 4/1/2025.
  • Also, starting in 2023 the first year a beneficiary RMD would be required for a sole spousal beneficiary whose deceased spouse was born after 1950, would be the year in which the deceased spouse would have reached 73.

Submitted by Bernard Ackerman on Tue, 2022-12-27 18:29

If you are 72 in 2023, must you take an RMD or under Secure 2.0 can you wait until 2024 when you are 73

Submitted by Alan - IRA critic on Tue, 2022-12-27 19:05

If you do not reach 72 until 2023, your first RMD distribution year will be 2024, with RBD of 4/1/2025.

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