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The 403 b plan must state that you can wait until the year after you retire in order for you to wait. If the 403 b plan is silent then you must start the RMD's. Most plans have the provision to wait until after retirement. IRA's do not have this provision so you must start taking distributions at 70.5 even if you are still working.The standard rule if the plan is with a company you are still working for in most cases you can delay.