It seems from my reading that unlike 401(K)s, the RMDs for each 403(B) can be calculated separately, added together, then the aggregate RMD can be withdrawn from one 403(B) account.
The wrinkle is one of the 403(B)s has been rolled over, without its RMD being taken, into an IRA. As a correction, I would like to take the RMD that SHOULD have been taken from the other 403(B), along with its RMD. The custodian of the rolled over 403(B) is saying that the lack of taking its RMD necessitates filing 5329 (IRA Return of Excess Contribution) and a request of waiver penalty letter, AND withdrawing the RMD and its possible earnings as soon as possible from the IRA. And I will have to file a paper return instead of electronically since I have to file a waiver letter.
Would the first option of adding the missed RMD to the other RMD of the remaining 403(B) save me the work of filing the 5329?
