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You note an important point for the first RDM which one must take.

However, I raised another question as a first-timer RMD in 2011 and was given a surprising answer. As I understand it, the law states that one must be 70.5 years old to take the RMD. Thus, my 70th birthday the latter part of June does not allow me to take the actual distribution until the latter part of December. What the experts have told me is that the RMD recipient must be 70.5 at the time it is taken, not that the RMD be taken in the year which one turns 70.5.

If that's not correct, I would appreciate hearing dissenting views.

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