Whoever provides the money to you knows the account balance each year and the RMD. The RMD amount is calculated based on your account balance at the end of the previous year divided by a life expectancy factor from the IRS's Uniform Lifetime Table or other applicable tables.
Most annuities set up to provide you with regular payments include the RMD. Contact the financial company and be sure you are taking the full RMD each year.
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