@dmertz I was following that long post on inheriting spouse's IRA made me think of a a couple questions.
My husband died in March 2023 at 76. He hadn't taken his RMD yet. Vanguard transferred his Traditional IRA into my IRA. I turned 70 in Jan 2023.
1. Should/will I get a 1099R for the Transfer?
2. I made a QCD from my IRA after I turned 70 1/2 which was a lot more than his RMD. Did his RMD need to be taken? If so, how to I specify part of the QCD was for HIS RMD? Or is it all reported under my name now?
And I guess the same question for his 401K. His 401k set up a Spousal 401k in my name. Will I get a 1099R for the transfer to me? What are the rules for RMD on that? He hadn't taken his RMD yet. They said no RMD for 2023 but I wasn't so sure about that so I had them send me the RMD. If the RMD 1099R comes in my name do I enter it under his name? Turbo Tax probably won't ask me about any RMD since I'm younger.
And going forward with both the IRA and 401K will I need to take any RMD or just when I need to start my own? Which is when......starting in 2025 (by April 2026)?
Thankyou, VG
