The law generally requires you to begin receiving retirement income by April 1 of the calendar year following the year you reach age 72 (unless you were born before July 1, 1949, which means you must begin receiving it by April 1 of the calendar year following the year you reach 70½),  or the year you retire, whichever is later.

You can generally delay receiving retirement income payments if you are still working. You may contact GuideStone for more information.