an account's year-end value by the applicable distribution period as determined by the IRS life expectancy tables:

- Most account holders use the IRS Uniform Lifetime Table.
- Married account owners with spouses more than 10 years younger use the

Most of my practice is spent helping clients design and implement mortgage plans in concert with their overall financial plans to accumulate wealth. Many of these people are focused on saving for important life events including retirement.

It is equally important to have a plan for the way we'll be taking the money out of these plans. Four thousand people a day are turning 701/2, and an increasing amount of people will be faced with the distribution side of their plans, so it is important to highlight a law that requires clients to begin distributing some of their retirement accounts.

If your birthday is between January 1st and June 30th, and you turned 70 last year;
or
If your birthday is between July 1st and December 31st, and you turned 71 last year: ...you are generally required to begin withdrawing money from your qualified or tax-deferred accounts by April 1st of this year.

The amount you must withdraw each year is called the Required Minimum Distribution (RMD) and is determined by dividing an account's year-end value by the applicable distribution period as determined by the IRS life expectancy tables:

- Most account holders use the IRS Uniform Lifetime Table.
- Married account owners with spouses more than 10 years younger use the

important to have a plan for the way we'll be taking the money out of these plans. Four thousand people a day are turning 701/2, and an increasing amount of people will be faced with the distribution side of their plans, so it is important to highlight a law that requires clients to begin distributing some of their retirement accounts.

If your birthday is between January 1st and June 30th, and you turned 70 last year;
or
If your birthday is between July 1st and December 31st, and you turned 71 last year: ...you are generally required to begin withdrawing money from your qualified or tax-deferred accounts by April 1st of this year.

The amount you must withdraw each year is called the Required Minimum Distribution (RMD) and is determined by dividing an account's year-end value by the applicable distribution period as determined by the IRS life expectancy tables:

- Most account holders use the IRS Uniform Lifetime Table.
- Married account owners with spouses more than 10 years younger use the

hat requires clients to begin distributing some of their retirement accounts.

If your birthday is between January 1st and June 30th, and you turned 70 last year;
or
If your birthday is between July 1st and December 31st, and you turned 71 last year: ...you are generally required to begin withdrawing money from your qualified or tax-deferred accounts by April 1st of this year.

The amount you must withdraw each year is called the Required Minimum Distribution (RMD) and is determined by dividing an account's year-end value by the applicable distribution period as determined by the IRS life expectancy tables:

- Most account holders use the IRS Uniform Lifetime Table.
- Married account owners with spouses more than 10 years younger use the

year: ...you are generally required to begin withdrawing money from your qualified or tax-deferred accounts by April 1st of this year.

The amount you must withdraw each year is called the Required Minimum Distribution (RMD) and is determined by dividing an account's year-end value by the applicable distribution period as determined by the IRS life expectancy tables:

- Most account holders use the IRS Uniform Lifetime Table.
- Married account owners with spouses more than 10 years younger use the

an account's year-end value by the applicable distribution period as determined by the IRS life expectancy tables:

- Most account holders use the IRS Uniform Lifetime Table.
- Married account owners with spouses more than 10 years younger use the Joint Life and Survivor Expectancy Tables.

For further explanation of this, please review IRS Publication 590. As always I advise you to consult a tax adviser regarding your specific situation. If you do not have one, I am happy to refer you to a qualified professional. Please email kmueller@mobiumgroup.com with any questions, as always.