There is no escaping death, but it turns out that when it comes to employer-sponsored 401(k) and 403(b) tax-deferred retirement plans, clients can escape taxes, at least for as long as they keep working at the same job that sponsors their retirement plan.

The Internal Revenue Service sets no minimum number of hours that a person needs to be employed for this deferral of the minimum distribution requirement to apply. Even a few hours a week does the trick, as long as the employee continues to be on the payroll, isn’t working as an independent contractor and doesn’t own 5% or more of the plan sponsor.

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