 in the year that you reach age 73. From there, your next and every subsequent RMD is required before December 31st each year. If you delay your first distribution until April, you could end up taking two distributions in the same year, which means it could be a heftier tax bill or, Tony, worse yet, it might even nudge you into a higher tax bracket. So once again, folks, be sure to sit down with your financial service professional