Secure 2.0 Act RMD age increase to 75 in 2033 - Where's the confirmation?

The confusion is totally understandable! You're right that Secure 2.0 has a two-phase implementation for RMD age increases: first to 73 beginning in 2023, then to 75 beginning in 2033. The reason you're not seeing the age 75 change in current IRS publications is because the IRS typically updates its guidance closer to when provisions take effect. The law itself (Secure 2.0 Act, which was part of the Consolidated Appropriations Act of 2023) definitely contains both changes. Section 107 of SECURE 2.0 specifically outlines this two-step increase. Regarding the RMD tables - great question! The Uniform Lifetime Table (Table III) will likely be adjusted before 2033 to reflect the new starting age, but the factors themselves probably won't change significantly. The IRS just updated these tables effective for 2022, which reflects longer life expectancies. When they update again, they'll likely just extend the table to start at age 75 with appropriate factors. For planning purposes, you can reasonably assume similar distribution factors will apply, just with different age triggers for when you must start taking distributions.

Just wanted to share my experience using taxr.ai for figuring out the whole RMD situation. I was in a similar position trying to understand how these Secure 2.0 changes would affect my retirement planning. I found this tool at https://taxr.ai that helped me get clarity on exactly how the RMD age changes would impact my specific situation. You basically upload your relevant tax and retirement account documents, and their AI analyzes everything and gives you personalized explanations about how tax laws like Secure 2.0 apply to your specific situation. It even created a timeline showing me exactly when I would need to start taking distributions based on my birth year. The best part was that it explained how the RMD tables would likely be applied in my case, even with the future changes. Definitely worth checking out if you're trying to plan long-term like I was.

I tried taxr.ai after posting my question about this same RMD issue and I'm honestly impressed. I was super skeptical at first (as you might have seen from my reply above), but I decided to give it a shot and just blocked out my account numbers before uploading anything. The analysis it provided was way more comprehensive than what my financial advisor gave me. It showed me exactly how the Secure 2.0 changes affect my specific birth year and created this year-by-year breakdown of what my RMDs would look like under different scenarios. It even factored in the potential tax impacts of waiting until 75 versus taking voluntary withdrawals earlier. What really surprised me was how it found a potential issue with how my traditional and Roth IRAs were structured that could have caused me to take more RMDs than necessary. Definitely worth checking out if you're trying to navigate these Secure 2.0 changes.

For anyone struggling to get clear answers about these Secure 2.0 RMD changes from the IRS, I had a surprisingly good experience using Claimyr to actually reach a human at the IRS who could explain this. I tried calling the IRS directly for weeks and kept getting the "high call volume" message and disconnects. With Claimyr (https://claimyr.com), they somehow get you past the IRS phone tree and hold times. You can actually see how it works in this video demo: https://youtu.be/_kiP6q8DX5c The IRS agent I spoke with confirmed that yes, the age increase to 75 in 2033 is definitely part of the law, and they'll be issuing updated guidance and likely new tables closer to that implementation date. She explained that they typically don't publish guidance on provisions that are still years away from taking effect, which is why we're not seeing the age 75 info in current publications. Just wanted to share since getting an actual human on the phone at the IRS made a huge difference in understanding these changes.

So I was super skeptical about this Claimyr thing (you might have seen my comment above questioning it), but I was desperate for answers about how these RMD changes would affect my mom who turns 73 next year. I reluctantly tried the service, and I have to admit it actually worked. After trying for literally weeks to get through to the IRS myself, Claimyr got me connected to an IRS agent in about 47 minutes. I didn't have to sit there listening to hold music - they just called me when an agent was on the line. The IRS representative confirmed everything about the Secure 2.0 RMD changes, including the future increase to age 75 in 2033. She also explained that they're planning to issue updated uniform lifetime tables closer to that implementation date, but that the distribution factors themselves shouldn't change dramatically from the current ones. For anyone else struggling to get clear answers from the IRS, I hate to admit it but this service saved me a ton of frustration.

Something everyone seems to be missing in this discussion is that the Secure 2.0 Act actually has different RMD age requirements depending on when you were born: - If you turned 72 in 2022 or earlier: You're already taking RMDs under the old rules - Born 1951-1959: Your RMD age is 73 - Born 1960 or later: Your RMD age will be 75 This is why the IRS hasn't updated all their publications yet - they'll phase in the guidance as each group approaches their RMD age. The law is definitely on the books though. And remember that the first RMD can be delayed until April 1 of the year after you reach the RMD age, but all subsequent RMDs must be taken by December 31 of each year.

I'm a bit confused about all this. If I was born in 1962, does that mean I don't have to take money out of my 401k until I'm 75? What happens to the RMD tables between now and 2033? Will they just keep the old ones until then?

I've been following this thread closely as someone in a similar situation, and I wanted to add some practical context about planning with these future changes. Even though the age 75 requirement won't kick in until 2033, it's worth considering how this affects your overall retirement withdrawal strategy now. One thing I learned from my financial planner is that the delayed RMD age might actually create some tax planning challenges. If you're waiting until 75 to start required withdrawals, you could end up with larger account balances that force bigger RMDs when they do start. This could potentially push you into higher tax brackets in your later 70s and 80s. The key is thinking about voluntary distributions in your early 70s to manage your tax bracket, especially if you have other income sources like Social Security or pensions that will increase your taxable income over time. The flexibility to choose when to start taking money out (versus being forced to) is actually a valuable planning tool. Has anyone else considered how these changes might affect their overall tax strategy, not just the technical compliance with RMD rules?