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To: Ms. Baby Boomer who wrote (97878)	10/21/2017 1:11:37 PM
From: Drygulch Dan	Read Replies (5) \| Respond to of 219495

Hi Moi, thanks for the IRS pointer. I find their stuff excessively hard to comprehend. Fortunately Schwab simplifies it a bit with their interpretation. Of course the IRS and US tax law remains the ultimate arbiter of meaning. As I understand things, I turn 70.5 in January therefore I must withdraw at least the full minimum required by April 1, 2019. If I delay all withdrawals to late March 2019, which tax year do those withdrawals get taxed in ? 2018 ? or 2019 ? My guess is 2019. What do you think ?