Still-Working Exception and Indirect Transfers: Today’s Q&A Mailbag

IRA Analyst
- The still-working exception does not apply to someone that owns more than 5% of the company. Instead, 5% owners must begin taking RMDs at age 70½, regardless of working status.
- The exception only applies to the plan of her current employer. Any previous employer plan must issue RMDs by the normal beginning date (i.e., at age 70½).
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