IRA RMD still working

Submitted by chris erickson on Thu, 2020-01-09 17:02

Hi,
I heard that the “still working RMD exception” that applies to employer plans was extended by the SECURE Act to also include personal IRAs. However I have not been able to find anything online that substantiates this. Can people who are now working post-72 also suspend personal IRA RMDs?
Thanks!
Chris



Submitted by Alan - IRA critic on Thu, 2020-01-09 17:21

No. IRA RMDs are not affected by “still working” status and the Secure Act did not change this. However, an IRA owner could still roll the IRA into an accepting employer plan for a still working employee and RMDs will not apply to this balance starting in the year after the rollover.



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