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Question on first RMD over age 70.5


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An RMD is required for 2018, but as an exception to the normal rule it can be deferred until as late as April 1, 2019.  The RMD for 2019 must be received in 2019. 

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and as a reminder, suppose the first RMD is 10,000 and the second one is 12,000

so the difference is in taxes. do you want 10,000 in one year and 12,000 the next or

22,000 in one year. (but then if no longer working that might be the way to go)

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