Fidelity calculates my RMD and distributes that calculated amount to me in 12 equal monthly payments. Given the market is way down, I’m considering a ROTH conversion with a big chunk of my IRA. As the RMD amount has to come out first, do I need to cancel my monthly distibutions for November and December, take those last 2 monthly amounts in a lump sum, and then be elgible to take my lump sum for my ROTH Conversion?