Let me clarify that the mutual fund where my mother's IRA is held calculated the RMD for 2023 after I reported she had passed away, deducted 10% taxes, and sent the checks to me. Later on last year they issued a 1099-R with my SSN, so I have to file it with my 2023 tax return
Regarding the RMD for 2024 I think I have until Dec 31, 2024 to take it, correct?
Now I'm confused, b/c the C.S.Rep. from the mutual fund told me on the phone that I didn't have to take it now, but that I had to withdraw all the funds before 10 years. She said that for example, I could wait after my retirement (to be in a lower tax bracket), to start taking distributions??? Is she right?
TIA
