Dad had two regular IRA accounts. One [$18,000] had the RMD in March, the other [$84,000, scheduled for December payouts] did not have an RMD prior to dad’s death in July. Son inherits both with restricted 8 year payouts. Does dad’s 2020 second IRA account need an RMD paid to “him”, like normal years, or does the new “no-RMD-option-for-2020-only” of skipping RMD apply here? If needed to be paid out, do I assume the custodian annuity company is clueless and needs to be reminded? They already sent claim paperwork to the son with no mention of the Dad RMD needing to be paid first. Now a “chicken or the egg first” questions: That RMD would need to be probated before or after the RMD check is cut? Assuming the RMD is necessary, will releasing this RMD amount screw up the inheritance process for the months needed for Probate? Will the custodian company be permitted to hold back the RMD amount [waiting for probate to do it’s thing] and begin the 96 month annuitization the Dad restricted on his spendthrift son? Or can they cut the RMD amount immediately and send to the owner, meaning his estate, and then the family will have to deal with that through the probate process, allowing the son to start his monthly income that is needed ASAP?