This in from Fidelity Investments :
Are you over 72 years of age? You may waive your 2020 required minimum distribution (RMD) from a retirement account this year due to the Coronavirus Aid, Relief, and Economic Security (CARES) Act, passed on March 27, 2020. To stop your automatic withdrawal for 2020, just go to your IRA or 401 (k) account and change your status from “active” to “inactive.”
If you have already taken all or part of your 2020 RMD, you should talk with your tax advisor to see whether you’re eligible and may have the option to return the funds to your retirement account through a 60-day rollover contribution.
If you don’t need that money this year, this is a great way to avoid a whole helluva lot of income tax due the feds and state of Hawaii.