As part of our August 2026 release, Voyant is updating how Required Minimum Distributions (RMDs) are modeled for eligible employer-sponsored retirement accounts when the client is still working.
Under the updated behavior, Voyant will recognize when an eligible retirement account is associated with the client's current employer and delay automatic RMDs from that account while the employment remains active.
New Behavior in Voyant
For clients who have reached RMD age:
- 401(k), 403(b), and 457(b) accounts associated with the client's current active employment will not generate an automatic RMD withdrawal while the client is still working.
- In the Year View Retirement screen, the RMD withdrawal for these eligible accounts will show as $0 while the employment remains active.
- Once the associated employment ends, Voyant will resume automatic RMD withdrawals as applicable.
- Accounts associated with a past employer will continue to generate RMDs once the client reaches RMD age.
- Other retirement accounts that are subject to RMDs will continue to follow their normal RMD rules.
Advisers do not need to make any changes to how these accounts are modeled. The important consideration is that the eligible employer-sponsored retirement account is associated with the client's current employment.