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Required Minimum Distributions

The age for Required Minimum Distributions (RMD) has changed for folks born in 1951 or later. The Setting Every Community Up for Retirement Enhancement (SECURE) 2.0 Act of 2022 which was signed into law by President Biden as part of the $1.7 Billion spending bill will phase in over a decade the increase in the RMD age to 75. Here are the current RMD provisions:


Age 72 for folks born in 1950 or earlier (before 2020 the age was 70.5)

Age 73 for folks born 1951 - 1959

Age 75 for folks born 1960 or later


Folks born in 1951 should revisit their strategy for any RMD scheduled for 2023 since the age has changed from 72 to 73. Their initial RMD may be rescheduled for 2024.

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