I am current taking RMDs from my traditional IRAs held at two different brokerages. Because my spouse is more than 10 years younger than me and is currently set up as the beneficiary of 100% of both, I am able to use the Joint Life Expectancy Table to calculate the RMDs. However, I would like to make a third IRA, carving out a portion of one IRA, and make a charity the beneficiary of what would be roughly 10% of the total IRA assets. (This seems to make sense to me, since whittling down one of the IRAs or transferring assets between IRAs to create the smaller IRA has some disadvantages.) The question is, if I go this route, can I still use the Joint table to calculate my RMD, which would be taken solely from one or both of the original IRAs? Or does the IRA aggregation rule negate my ability to use the Joint table because my spouse is no longer the sole beneficiary of my total IRA? My plan would be to leave the newly created IRA basically untouched, except perhaps for some rebalancing, if necessary. Thank you!