Ok, now you’ve done it…got me to thinking about what you said 🙂
With the SECURE Act, the new first RMD year is the age you attain 72, effective 2020 and beyond. So if my math is right, this means anyone who turned 70 in the first 6 months of 2019 will be the last age group to fall under the old RMD rules, meaning those born prior to July 1, 1949. Correct?
So if you were born on or after July 1, 1949, you fall under the new rules. But here’s where it gets interesting. For those born Jan 1 to June 30 1949, their RBD is April 1, 2020. But the next age group whose B-Day falls between July 1 – Dec 31, 1949, their RBD is April 1, 2022. So with the suspension of the 2020 RMD NOT delaying the RBDs, in effect, there is no April 1, 2021 RBD for anyone….correct?