Question: I have a question about avoiding RMDs for a still-working 73 year-old in a 401k plan. I realize most people my age are looking forward to retirement, but I love what I do and am delighted to continue to be able to work. I am about to change employers and would like to request a “direct rollover” from my old employer (who I still work for as of this writing) to my new employer (once all of the i’s are dotted and the t’s are crossed). There will be/should be no gap in employment once all of the employment paperwork is complete and I turn in my official notice. (Not sure if that fact makes a difference). Is there a requirement that I take an RMD in the year I change employers in conjunction with the change? I do not know if my “old” (existing) employer will do a “direct rollover” to the new employer, or for that matter, if the new employer will accept a “direct rollover,” but I would much rather delay RMD’s against this account as long as possible. Forewarned is forearmed and I would appreciate your take on this. Read More