The IRS requires anyone with an employer-sponsored plan or Traditional IRA to take a RMD. However, if you are still working for the employer through which you contributed to your GuideStone account, you may be able to delay your RMD. Certain employer-sponsored retirement plans (such as 401(k) and 403(b) plans) will allow you to delay the RMD until you retire from the employer that sponsors the plan. IRAs do not have this option.

Section 325 eliminates RMDs on Roth designated accounts in an employer sponsored retirement plan (401(k) or 403(b)). Prior to SECURE 2.0, Roth dollars in an employer sponsored plan were included in the annual RMD calculation.

Only beneficiary funds will have a Required Minimum Distribution due that includes Roth money.

You can check if you are eligible to delay your RMD online through your MyGuideStone® account. Take a look at the this FAQ to learn how to delay your RMD.