If you have reached age 70 1/2 this year don't forget to call your IRA custodian or employer 401k or 403b plan and take your first required minimum required distribution MRD.  If you have several plans, you are allowed to  "aggregate" your IRA or 403b plans and withdraw from just one account.  

On a MRD distribution you can elect to withhold taxes or not-it's your decision.  Most plans will send out a check or transfer right to your bank account.!