@rkbjr wrote:
Thanks for your response.
The decedent was my father DoD 06/24/2018. My dob 04/15/1950
OK, I may also need to know your father's age when he died. But it seems he was likely over age 70, and therefore he was past his RMD beginning age.
I am not as familiar with the rules that were in place before 2020, so I am going to ask for another expert to tell you what your options are and how to calculate the RMD. @dmertz
However, I believe the rules are as follows:
Because the regular and inherited/beneficiary IRAs can't be combined, for your own regular IRA, you figure the RMD from either Table 2 or Table 3 in publication 590-B, depending on your marital situation and the other factors listed in the tables.
https://www.irs.gov/pub/irs-pdf/p590b.pdf
For the beneficiary IRA, you figure the RMD from Table 1, these are "life expectancy payments" under the old rules. (This is not how the beneficiary's RMD is calculated after 2019, but I don't think the new rules apply to you.)
