• RMDs now begin at age 72 for individuals who turn 70½ in the calendar year 2020.

For anyone who has not already reached age 70.5 by the end of 2019, the new required beginning date will be 72 for RMDs. There is an exception to this rule if you are not a 5% owner in the company and continue to work, you can push out your RMDs for that employer’s retirement plan until the year after you retire.

In other words, because you were born in February 1949 your RMD is not affected in any way by the SECURE Act.