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You can choose to withhold federal and state taxes from your Required Minimum Distribution at various rates. The default federal withholding rate is 10%, but you can adjust it based on your tax situation. To calculate your RMD, first determine your account balance as of December 31st of the previous year. Now, find your life expectancy factor from IRS Publication 590-B. Divide your account balance by this factor. Would you like me to send you a link where you can learn more? Ok, I’m sending you a text link now. You’ll get a text to your number on file. Is there anything else I can help you with today?