# [Series 65] 55, Required Minimum Distributions

Page: https://stenobird.com/podcast/open-exam-prep-7140559/series-65-55-required-minimum-distributions
Text version: https://stenobird.com/podcast/open-exam-prep-7140559/series-65-55-required-minimum-distributions.md
Podcast: [Open Exam Prep](https://stenobird.com/podcast/open-exam-prep-7140559)
Published: 2026-05-18T01:01:53+00:00
Episode link: https://open-exam-prep.captivate.fm/episode/series-65-55-required-minimum-distributions
Audio file: https://episodes.captivate.fm/episode/93a33836-f230-4546-b263-429ff8d4a9ba.mp3
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JSON: https://stenobird.com/v1/public/podcasts/open-exam-prep-7140559/episodes/series-65-55-required-minimum-distributions
Duration seconds: 138

## Resource

This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP® designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The specific RMD age requirements based on birth year as set by the SECURE 2.0 Act. - How to calculate an RMD using the prior year-end balance and the IRS life expectancy factor. - The rules for a client's first RMD, including the April 1st deadline and the trap of taking two distributions in one year. - The 10-year rule for most beneficiaries of inherited IRAs and how it works. - The updated penalty for a missed RMD and how it can be reduced from 25% to 10%. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep

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## Transcript

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