@tealover753 - one question as it will help others that respond.
You state your husband died this year, but was 72 years old and began his RMD last year. But beginning 1/1/23, the rules changed and RMD wasn't required until turning 73 years old. Can you please state his date of birth (or at least his birth year)? - that will end any potential confusion in reponses by others. While he may have taken a distribution last year, it may not have been a RMD but then again it may have been - it depends on when he turned 72.
