Thank you for your question, my name is XXXXX XXXXX I will be happy to help you
For your 401(k) and 403(b) accounts, you do not have to start drawing from the account until you are either 70 1/2 or when you retire from the company, whichever is later.
The same goes for your IRA. The IRS states "Required Minimum Distributions (RMDs) generally are minimum amounts that a retirement plan account owner must withdraw annually starting with the year that he or she reaches 70 ½ years of age or, if later, the year in which he or she retires."
So if you have not retired, you do not have to take an RMD.
You can read the link to this, HERE