RMD’s from Annuities satisfy RMD’s from IRA

Submitted by Eleonora Tomasello on Fri, 2025-01-10 20:27

Hi,

I have a client, age 75, with an annuity in a qualified account and an IRA account.  He wants to take all his RMDs from the annuity account.  I seem to recall that you cannot satisfy the RMD requirement from the IRA with withdrawals from the annuity.  Is this correct?

Thanks for the guidance.

Eleonora



Submitted by Alan - IRA critic on Fri, 2025-01-10 20:58

If the qualified account is not an IRA, the RMDs must be satisfied separately. If both are IRAs, the RMDs can be aggregated between the two.

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