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New RMD Rules for 2023

Retirement account owners must take required minimum distributions from traditional IRAs and 401(k)s after a certain age. The SECURE 2.0 Act, which was signed into law in December 2022, changes the RMD rules for retirement savers beginning in 2023.

The new RMD rules for 2023 include:

  • A higher RMD age.

  • A lower penalty for missing a withdrawal.

  • New rules for qualified charitable distributions.

  • The Roth 401(k) RMD will be eliminated.

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