RMD Guides
Educational articles on required minimum distributions and inherited IRA rules.
Retirement Account Types — Which Require RMDs?
401(k), IRA, 403(b), Roth, and more — who has each account and why.
What is an RMD?
Required minimum distributions explained — who must take them, when, and why.
RMD Age in 2026 — SECURE 2.0 Rules
When RMDs begin under SECURE 2.0: age 73 vs 75 depending on your birth year.
Inherited IRA Rules (SECURE Act)
How beneficiary type determines stretch, 10-year rule, or 5-year rule distributions.
The 10-Year Rule Explained
SECURE Act 10-year rule for inherited IRAs — when annual RMDs apply and deadlines.
RMD Penalty — 25% Excise Tax
What happens when you miss an RMD and how to reduce the penalty to 10%.
Qualified Charitable Distributions (QCD)
Use QCDs to satisfy your RMD with tax-free charitable giving up to $105,000.
RMD Aggregation Rules — IRA vs 401(k)
Which accounts can be aggregated for RMD withdrawals and which cannot.