Traditional IRA vs. Rollover IRA – RMD question
- Taking my first RMD in 2026. Can I aggregate these 2 IRA categories (2 accounts with different brokers) to come up with one amount, and take the IRA RMD total amount from either account?
- Can I take a QCD from my Inherited IRA at age 72, for a AGI deduction?
Thanks. D
Permalink Submitted by Alan - IRA critic on Wed, 2025-10-08 08:57
Yes, owned IRA RMDs can be aggregated in any combination between IRA accounts including taking the total RMD for all IRAs from a single account.
Inherited IRA RMDs can only be aggregated if inherited from the same original owner decedent and the RMD divisors are the same. Inherited IRA RMDs cannot be aggregated with RMDs from owned IRAs. You can take your QCDs from either owned or inherited IRAs once reaching 70.5. You do not get a deduction for QCDs, rather they are not included in your AGI in the first place. Complete any QCDs as part of your RMDs.