Welcome back! Ask questions, get answers, and join our large community of tax professionals.
  • Sign In
  • Elevate 2026 Pencil Banner
    cancel
    Showing results for 
    Search instead for 
    Did you mean: 

    Can my client contribute to his Roth 401k at work if he is taking an RMD?

    Ephesians3-14
    Level 8

    My client is 73 yrs old and has a consulting business (S Corp). Since he is required to take an RMD from his IRA, can he also contribute to his Roth 401k which was set up under his S Corp?

    I wasn't sure if he could contribute to his 401k if he was taking an RMD.

    Thanks for any feedback.

    0 Cheers

    This discussion has been locked. No new contributions can be made. You may start a new discussion here

    1 Best Answer

    Accepted Solutions
    Terry53029
    Level 15
    Level 15

    Yes, regardless of age, if you are still working you can continue to contribute to a 401k. What's more, as long as you own less than 5% of the business you are working for, you are not required to take RMDs from a 401(k) at that employer.

    View solution in original post

    1 Comment 1
    Terry53029
    Level 15
    Level 15

    Yes, regardless of age, if you are still working you can continue to contribute to a 401k. What's more, as long as you own less than 5% of the business you are working for, you are not required to take RMDs from a 401(k) at that employer.