ROTH IRAs are not included in RMD's.
- If you have chosen to take the inherited IRA over your lifetime, that amount is subject to RMD.
- If you turned 70 1/2 by December 2019 it will also include your personal IRA's.
- If you have not turned 70 1/2 you won't have to include it in your personal IRAs in RMD until you are 72.
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