Hello Yananchao,
Thank you for the question. What matters is the year not the month. Here are Recent developments from the SECURE (Setting Every Community Up for Retirement Enhancement) Act
- became law 12/31/19
- RMD start date changed from age 70½ to age 72
- for individuals who reach 70½ after 12/31/19
- If an individual reached 70½ prior to 2019, there is no impact
Beginning date for your first required minimum distribution:
- IRAs (including SEPs and SIMPLE IRAs)
- April 1 of the year following the calendar year in which you reach age 70½, if you were born before July 1, 1949.
- April 1 of the year following the calendar year in which you reach age 72, if you were born after Jun 30, 1949.
The issue to consider is if you wait till April 1, of the next year you will take 2 RMD's that year. Consider the effect on your taxable income and decide accordingly.