@tftoolan -
you are required to take RMDs each year she was subject to RMDs. You can not wait until the 10th year. And practically, you may want to find a way to smooth the distribuitons each year to a number higher than the RMD calculation in any event over the course of the 10 years. Otherwise, you may have a large lump in Year 10, which could put you into a higher tax bracket for that 10th year. Everyone's tax situation is different.
How old are you? there are different calculations to determine RMD if you were within 10 years of her age versus being more than 10 years younger. But again, you may find the taxes lower over the course of the 10 years to take more than the RMD amount each year only to have this large tax bill in a higher tax bracket in year 10.
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