By Sarah Brenner, JD
Director of Retirement Education

The deadline for most retirement account owners to take their 2025 required minimum distribution (RMD) is December 31, 2025. However, there are good reasons why you should take your RMD now instead of waiting.

You are doing a rollover. Maybe you are retiring this year, and you are now moving your employer plan funds to an IRA, or maybe you are tapping your IRA with the intent of doing a 60-day rollover after receiving the funds:

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Q: I am 77 years old and take required minimum distributions (RMDs) from my IRA. Can I name my grandchildren who are seven and five years old as beneficiaries for my IRA accounts? If something happens to me, can they stretch RMDs over their life expectancies if they are still minors at the time of my death?

Answer

Q: Am I correct that a non-spouse Roth IRA beneficiary does NOT have a yearly required minimum distribution (RMD) over the 10-year period?

Answer

Q: I just inherited an IRA from my sister. She died at age 74 and I am age 78. Am I required to use the 10-year rule, or can I stretch distributions from the inherited account over my life expectancy? I am hearing conflicting information as to what my options are.

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Q: Can a person do 60-day rollovers from both their traditional and Roth IRAs in the same 365-day period?

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