Dear Mr. ____________:

Thank you for your note and I hope you are well.

You are correct that the CARES Act has waived the requirement to take the
required minimum distribution (RMD) for the year 2020. Vanguard has placed
the necessary alerts on all impacted accounts that "The CARES Act provides
a temporary waiver for 2020 so you do NOT have to take your RMD for 2020 if
you don't want to."

Please let us know if we can provide any further clarification or answer
any follow-up questions. Additionally, you can speak to one of our
knowledgeable representatives directly at 877-662-7447. Representatives are
available business days 8 a.m. to 8 p.m., Eastern time.

Best regards,

Anne Marie Scott


www.paracay.com



It's better to live rich than die rich. Live simply so that I may simply live large.