@fanfare , all of the IRA CDs offered by the banks that I'm familiar with waive the CD early-withdrawal penalty for the distribution of amounts that satisfy the RMD for any of the individual's IRAs at that particular bank, so no need to ladder CDs for the purpose of being able to take distributions of RMDs. One might still want to ladder CDs so that one has an opportunity to take out more than the RMD in a given year without incurring an early-withdrawal penalty.
