tnx for the reply and touching on the various aspects of the topic.
Yes - it is I - but so used to the family, consulting, school, etc - The We -
The IRA does have a basis, as over the years it was sometimes deductible and sometimes not ..... so it has a basis. Had not thought about the 403b... just being 100% .
My main idea was to simplify and rollover the 403b into the Trad IRA (with a basis) - but you mentioned this might not be a good idea ? - why ? So, in the future we would just have the single RMD - and not have to calc & withdraw from each "group" - the IRA and the 403b
If you have a traditional IRA with a partial basis due to non-deductible contributions, you could still roll the 403(b) into an IRA account but I would put it into a new IRA so you aren't mingling pre-tax and after-tax funds any more than necessary.
