IRS Required Minimum
Distributions (RMD):
Age Rules, Deadlines &
Calculator
Worried about forced IRA withdrawals? Calculate your exact IRS RMD age and deadline.
Learn how high earners and pension holders protect their savings.
IRS Compliant
SECURE Act 2.0
Defense 401(k) Specialists
Fiduciary Advised
The Hook: High-Earner Longevity & The "Pension Tax Trap"
High income earners are often surprised to know that they move UP in tax brackets when they retire. That’s typically because their pensions + social security benefits provide roughly 70% or more of their pre-retirement income.
❌ The Myth
You don’t have to start making forced withdrawals at age 70 or 72 anymore. Under the SECURE Act 2.0, if you are 68 today (born in 1958), your RMD age is 73. You have more time for tax-deferred growth than you think.
✓ The Reality
Under SECURE Act 2.0, if you are 68 today (born in 1958), your RMD age is 73. You have more time for tax-deferred growth than you think.
- The Pension Reality: Having a secure government pension is a massive win for preventing you from "outliving your money." However, adding forced RMDs from your defense contractor 401(k) on top of that pension can create a massive tax bracket bump if left unmanaged.
- The Longevity Paradox: High earners with stable pensions are living longer than ever. Protecting your principal means optimizing how and when you take distributions so uncle sam doesn't eat your longevity cushion.
The Interactive Zone: Calculate Your Exact IRS Timeline
At age 68, your countdown has officially started, but you have a five-year runway to optimize your strategy.
“Don’t map out your retirement on a napkin. Input your birth year into our calculator below to lock down your exact IRS deadline year.”