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FoolishProf sez:

<<Your last sentence is pretty important. It means I don't want to wait until 71.5 and get a double hit on income tax.>>

Yep. Based on your birthdate, I would do it in the same year I reached 70 1/2 rather than waiting until April 1 of the following year. Folks often forget that waiting causes a double withdrawal in the first year minimum required distributions are taken. That can be very unpleasant from an income tax standpoint.

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