The RMDs get reported in the year the cash is actually distributed - not in the year they represent.
So the 2023 RMD distributed in 2024 goes on the 2025 tax return. Was that RMD large enough to cover the balance of both IRA? The RMD doesn't necessarily have to distribute from each and every IRA.
if there is a 2nd IRA where nothing was distributed in 2023 or 2024, then that has to be distributed and reported as part of the 2025 tax return.
Further, as you have inherited these IRAs, you also have to distribute an RMD (first of the 10 years is 2025) in 2025.
also, HIS RMD's were calculated on HIS remaining life while now they they have been inherited, they are based on YOUR remaining life, so while the RMD is probably a lot less, you must distribute everything in 10 years (2025 through 2034).
@libbyandperry - sorry for your loss.
