The end of the year still seems far off for clients with individual retirement accounts who must take required minimum distributions by that time. But it’s never too early to start planning for it.

The required beginning date for RMDs is generally April 1, following the year the client turns 70 1/2, but after that RMDs are due by the end of the year. For inherited IRAs, RMDs must generally begin during the year of death and be taken by the end of each future year.

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