I am several years away from RMDs but for planning purposes I would like to know if the RMD calculation is based on the entire amount in my 401K or just the portion that isn't Roth? I read somewhere that the rules change in 2024 and RMD will no longer apply to the Roth portion, is that true?
Also, what form will be needed to have an RMD go directly to a charity or charities in order to avoid tax implications?
