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Retirement tax questions
Opus 17 is correct, actual year-end balances are to be used. I think at one time the rules said to adjust the year-end balance after making up a late distribution for the amounts that should have been taken, but that was changed long ago to just use the actual balances (and probably only made sense if the late RMD was taken during the following year).
‎January 9, 2025
4:58 PM
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