@SJGTX Yes, I'm glad I stumbled upon this thread because I was totally unaware of the RMD requirement, I had thought the 10 year rule replaced it in whole. Apparently, this has been being discussed since Feb 2022 when the IRS did a proposal for clarifying, i.e. what the annual RMD should be in conjunction with the 10 year rule. Due to much pushback for their lack of clarity before, they are offering a waiver of penalty for 2021 and 2022. My understanding, so far, is you calculate the RMD for the beneficiary the same as you did before the SECURE act for years 1-9 and withdraw at least that amount. Then in year 10, you take out whatever is left. So there's some flexibility in years 1-9. I'm going to call the IRA custodian and see what they know about this clarification since I know that pre-Secure Act, many people relied on them to automatically calculate and distribute their RMDs.
