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You generally have to start taking withdrawals from your IRA, SEP IRA, SIMPLE IRA, or retirement plan account when you reach age 70½.
When you are continuing to work, you still have to make mandatory withdrawals from your IRAs, but you can delay taking them from your current employer-provided plan, such as your 401(k), until April 1 of the year after you retire.
(Employees who own more than 5 percent of the company sponsoring the plan can't use this delaying tactic, however; they must start distributions from their 401(k) accounts after age 70 1/2, regardless of whether they continue to work.)
You would not be allowed to delay the RMD.
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