Work Waiver for RMDs
There are a number of instances where you can reduce RMDs—or avoid them altogether. If you are still working beyond age 72 and don’t own 5% or more of the company, you can avoid taking RMDs from your current employer’s 401(k) until you retire.
However, you would still need to take RMDs from old 401(k)s you own. But there is a workaround for that. If your current employer’s 401(k) allows for money to be rolled into the plan, you could do that. Doing that means you won’t need to take an RMD from a 401(k) until you actually retire. (You would still need to take RMDs from any traditional IRAs.)
