William, who turned 72 in 2023, is retired and has $1,500,000 in his IRA. Which of the following is correct regarding the required minimum distributions (RMDs)? Question 9Select one: a. He must take his first RMD in the year he turns 72. b. He will have a required beginning date of April 1, 2025. c. There is a limit as to how much he can withdraw annually. d. He may spread his first-year RMD over the next three years.