I have two annuities that I think were 401k rollovers years ago. Paperwork says qualified plans. Can I use them in my total IRA RMD calculation?

Forum|Forum|1 year ago
February 6, 2025
1 reply
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Basically, I want to know if I can add the variable to my regular IRAs to determine the total RMD? I have not taken any distributions on the annuities

AmyC

Employee

Yes. You can take one withdrawal and cover all accounts. The IRS just wants to ensure you are taking the minimum out each year for all that you have.

When you enter the 1099-R, the program asks if you took the full RMD required or less, meaning across all accounts that you have.

If you took your full RMD from all accounts - Enter a value less than or equal to the payment amount on the 1099-R on the next screen.
If you did not take your full RMD, select no and enter the nontaxable amount.

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