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Distribution Planning Accruing earnings on a tax-deferred basis is one of the most attractive features of Traditional IRAs, Roth IRAs and employer sponsored plans (retirement accounts). However, at some point, the assets are distributed from the retirement accounts either because the participants need the funds, or because they are required to do so. An example of a when a participant must withdraw assets is the required minimum distribution (RMD) which must be distributed when certain individuals reach age 70 ½ and by certain beneficiaries who inherit these assets. The articles in this areas addresses various rules and regulations that apply when distributing assets from retirement accounts, as well as strategies than can be used to avoid paying excise taxes and (avoidable) income taxes.
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