RMD from Inherited IRa

Submitted by Andrew Zahn on Fri, 2023-06-09 23:07

I have several traditional and inherited iRA’s. Only the inherited IRA’s have a Required Minimum Distribution. Can I satisfy the RMD for my inherited IRA’s by withdrawing funds from a separate traditional IRA? My understanding is that RMD’s can be added up (consolidated) with the total being withdrawn from a single IRA to satisfy the RMD’s from all the IRA’s. Appreciate your comments. Thank you.

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Permalink Submitted by Alan - IRA critic on Fri, 2023-06-09 23:43

RMDs can be aggregated between your owned IRA accounts, or between inherited IRA accounts inherited from the same decedent and having the same RMD divisor. However, owned IRA RMDs cannot be aggregated with inherited IRA RMDs.