dmertz
Level 15
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Retirement tax questions

Although it's not the responsibility of the IRA custodian to make sure that the RMD for the inherited IRA is satisfied, a $10,000 distribution from a $50,000 inherited IRA is more than enough to satisfy the RMD for an age-64 beneficiary, so you can answer that your husband received all of the RMD for 2023.

 

The IRS has all of the information necessary to determine the amount the amount of the 2023 RMD for the inherited IRA, should they choose to check to see for themselves if the amount take was sufficient to satisfy the RMD.  (However, the IRS has waived the penalty for not taking this RMD in 2023, so they will not be checking.) 

 

Also, your husband is not permitted to make a QCD from this inherited IRA (or any other IRA) until your husband reaches age 70½.

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