@scschulte
I'm pretty sure you cannot use your RMDs from the annuities against the RMD from the IRA.
All traditional IRAs can be lumped together to determine the RMD to be taken from any/all of the IRAs, BUT they have to be actual IRAs. Thus, the $30k RMD for your IRA has to be taken in full, and the RMDs for the annuities are determined each separately. Likewise folks with pensions or TSP/401k accounts have RMDs that must be calculated and taken entirely separately from each other....as they are not IRAs.
((But I'm not sure how so-called annuitized IRAs fit in...(if at all))))
@Opus 17 @dmertz Have I got that right...comments?
____________*Answers are correct to the best of my knowledge when posted, but should not be considered to be legal or official tax advice.*
