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Robert Valentine, Ca. Insurance License# 0C23496, is a Registered Investment Advisor Representative with Crown Wealth Management, a Registered Investment Advisor and a registered
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Required Minimum IRA Distribution
Current Age
 Distribution
period (years)
 Percent
 Current Age
 Distribution
period (years)
 Percent
70
 27.4
 3.65%
 93
 9.6
 10.42%
71
 26.5
 3.77%
 94
 9.1
 10.99%
72
 25.6
 3.91%
 95
 8.6
 11.63%
73
 24.7
 4.05%
 96
 8.1
 12.35%
74
 23.8
 4.20%
 97
 7.6
 13.16%
75
 22.9
 4.37%
 98
 7.1
 14.08%
76
 22.0
 4.55%
 99
 6.7
 14.93%
77
 21.2
 4.72%
 100
 6.3
 15.87%
78
 20.3
 4.93%
 101
 5.9
 16.95%
79
 19.5
 5.13%
 102
 5.5
 18.18%
80
 18.7
 5.35%
 103
 5.2
 19.23%
81
 17.9
 5.59%
 104
 4.9
 20.41%
82
 17.1
 5.85%
 105
 4.5
 22.22%
83
 16.3
 6.13%
 106
 4.2
 23.81%
84
 15.5
 6.45%
 107
 3.9
 25.64%
85
 14.8
 6.76%
 108
 3.7
 27.03%
86
 14.1
 7.09%
 109
 3.4
 29.41%
87
 13.4
 7.46%
 110
 3.1
 32.26%
88
 12.7
 7.87%
 111
 2.9
 34.48%
89
 12.0
 8.33%
 112
 2.6
 38.46%
90
 11.4
 8.77%
 113
 2.4
 41.67%
91
 10.8
 9.26%
 114
 2.1
 47.62%
92
 10.2
 9.80%
 115 & >
 1.9
 52.63%
Required Minimum Distribution (RMD) is the amount the IRS requires the owner of an Individual
Retirement Account (IRA) to withdrawal each year. Traditional IRA's, SEP and SIMPLE accounts, and
employer sponsored retirement plans, such as 401k plans are all subject to RMD. Required Minimum IRA
Distribution begins once the qualified account owner reaches age 70½. Upon reaching age 70 ½, IRA
withdrawals must begin no later than April 1 of the following year.

The exact IRA distribution amount is based on the account value at year-end along with the owner’s life
expectancy, so it changes each year. You may utilize the Uniform Lifetime Table (above), to calculate your
RMD amount. To find the required minimum distribution amount locate your age along with the
corresponding distribution period. Your IRA account's value is then divided by the IRA distribution period,
resulting in your approximate withdrawal percentage. For example, a 75 year old with an IRA valued at
$100,000 would be required to withdrawal at least $4,367 for the year ($100,000 divided by 22.9) or
4.37%.

You can always take more than the Required Minimum Distribution, though the extra amount can’t be
applied to the following year. In other words, if your RMD is $1,000 for this year and you take $1,500, the
extra $500 cannot be credited toward next year’s RMD.

Please consult your tax advisor regarding your personal situation before implementing a distribution
plan.
Source: www.irs.gov