You can always take *more* than the RMD. There is no difference whatsoever between a RMD and a regular distribution from an IRA. A RMD is simply the *minimum* amount that must be withdrawn.
For tax purposes you only have one Traditional IRA that is the aggregate total of all existing Traditional IRA, SEP IRA or SIMPLE IRA accounts that you have. The RMD is calculated for each account based on the 2017 Dec 31 year end value of that account and then all account RMD's added together for the total RMD. The RMD can be taken from any one or several of those accounts.
RMD's for IRA's are totally separate and cannot be combined with RMD's from other qualified retirements accounts such as 401(k)'s and other employer retirement plans or pensions.
The answer to the RMD question does not go on your tax return, it is simply to make sure you do not owe any penalty for not taking the RMD or use it for an ineligible rollover.
The question is just to be sure that the requirement was met.
**Disclaimer: This post is for discussion purposes only and is NOT tax advice. The author takes no responsibility for the accuracy of any information in this post.**
