medium · Certified Financial Planner Investment Planning
A client is 73 years old in 2026. On December 31, 2025, he had 500,000 in a traditional IRA and200,000 in his current employer's 401(k). He is still working and owns 2% of the company.
Which of the following is true regarding his 2026 RMDs?
- He can aggregate the two accounts and take the total RMD from the IRA.
- He does not need to take any RMDs until age 75 under the newest SECURE 2.0 provisions.
- He must take RMDs from both accounts because he has reached the mandatory age of 73.
- He must take an RMD from the IRA, but can defer the 401(k) RMD until he retires.
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