Ed Slott: Final RMD Regs Create an 'Unnecessary Complication'

What You Need To Know

• The IRS has made it official: Retirement account beneficiaries subject to the 10-year rule must take annual RMDs if the account owner started them.
• It's now up to Congress to fix it — or to choose not to.
• While the final regs are complicated, in practical terms most beneficiaries aren't calculating RMDs, Slott says.