As a surviving spouse, you have special options for Required Minimum Distributions (RMDs). Currently, RMDs begin at age 73, and starting in 2033, this age will increase to 75 for those born in 1960 or later. You may:

• Treat the account as your own (rollover), delaying RMDs until you reach the applicable age and using the Uniform Lifetime Table for calculation.
• Keep the account as an inherited account, delaying RMDs until the later of the year your spouse would have reached RMD age or the year after their death. This typically uses the Single Life Table, which results in higher annual RMDs. Under SECURE 2.0, you can also elect to be treated as the employee for RMD purposes without rolling over, allowing use of the Uniform Lifetime Table. If you have questions about your RMD amount or timing, please contact us. 

If you have any questions regarding your RMD amount, please contact us.