CLeint has a 403b with TIAA outside our purview, we now annually, take her RMD from TIAA and then do rollover to her IRA with us. This happens end of March annually going forward.

She also has 1M with us in IRAs.  My question is, can i use the funds that come over as cash from TIAA into her IRA as a rollover to then distribute and satisfy her annual RMD.

1. money wasnt there on 12/31 for RMD caluclation
2. account was open, but funds came over end of March
3. I am assuming as long as RMD comes from an IRA account , IRS won’t care

Am I overthinking this?  after 30 years.. this is a new one.  it would be convenient as money rolls over as cash and is coming from a fixed account at TIAA, so if I can use these funds to satisfy annual IRA RMD i am selling cash and not investments down 6% for market high. s

thanks in advance.