I have a RMD required out of my 403b. I found out that I cannot do a Qualified Charitable Distribution directly from it. However, I could make one out of an IRA. I opened an IRA but cannot rollover money from the 403b to the new IRA. I am told I must take the RMD payment first, then add a rollover to my new IRA. For next year, I am sure I will have a RMD from the 403b, can I use the money in the new IRA to satisfy the RMD and do the Qualified Charitable Distribution? Should I do rollovers throughout the year from my 403b to the IRA to pay the RMD? Also, I have other RMDs from other sources. Can I combine all the RMDs and pay them using only one IRA account and making the QCD?
