Thank you. I was going to post a followup but you sorta answered this for me.
The inherited TIRA is based on a factor of my age at my parents death, prior to my age of first RMD.
Since my inherited TIRA is calculated at a different drawdown than my personal TIRA it doesn't make sense to lump them together. I don't know how the IRS ensures that the numbers are correct but if they take the prior year return Dec 31st value to check, it would not work out correctly.
So unless I and @fanfare are incorrect, I will not lump my inherited TIRA into my own TIRA for purposes of year end value. TTax does not ask the value of my inherited TIRA at EOY so I don't know how the IRS verifies the reporting.
