I have 2 separate IRA accounts with 2 different companies. One account is much larger than the other. However, I took the majority of the RMD from the smaller account. When asked for the RMD for the larger account, the amount is more than what I withdrew, and I am then penalized a significant amount for not taking all of the RMD for the year. The accounts should be combined for the total amount required, but it is not. Is this a bug, or are there any workarounds that could be done so that I am not penalized because I have taken all of the required RMD's for the year.
