As a general rule, you have to take an RMD from your retirement plans even if you are still employed. However, you could qualify for an exception from withdrawing RMDs from your company sponsored retirement plan if you meet both the below criteria: You're still employed; and You do NOT own more than 5% of the company. If you meet both the above criteria, you can delay taking an RMD from the company plan until April 1st of the year after you retire. However, these rules do not apply to IRAs. If you continue working past the age of 72, you will have to take an RMD from your IRA account.