Question: are there any exceptions to rmd?
Answer: Yes, even if you continue working past age 72,* you have to take an RMD from your IRA. However, you may qualify for an exception from taking RMDs from your current employer-sponsored retirement account, such as a 401(k), 403(b), or small-business account, if: ... You do NOT own more than 5% of the business you work for.