PT  - JOURNAL ARTICLE
AU  - Tom Arnold
AU  - John H. Earl, Jr.
AU  - Cassandra D. Marshall
TI  - Required Minimum Distribution Spreadsheet Calculators Based on the SECURE Act of 2019
AID  - 10.3905/jwm.2022.1.177
DP  - 2022 Jul 22
TA  - The Journal of Wealth Management
PG  - jwm.2022.1.177
4099  - https://pm-research.com/content/early/2022/07/22/jwm.2022.1.177.short
4100  - https://pm-research.com/content/early/2022/07/22/jwm.2022.1.177.full
AB  - The Setting Every Community Up for Retirement Enhancement (SECURE) Act of 2019 made significant changes to the required minimum distribution (RMD) schedule for individual retirement accounts and defined contribution retirement plans. Microsoft Excel spreadsheet calculators are developed to calculate annual RMD cash flows throughout retirement for those who are retired and for those who are planning to retire. Unlike internet calculators, the spreadsheet calculators allow savings to earn monthly interest throughout retirement. Further, the calculators are easy to use and allow individuals to forecast long horizon RMD distributions for subsequent tax or reinvestment planning purposes.