Changes made by the SECURE 2.0 Act allow the RMD for an IRA annuity to be aggregated with the RMDs of the individual's other traditional IRAs, so distributions from the IRA annuity in excess of the amount required to be used to satisfy the RMD of the annuity can be applied to the RMD requirement for other IRAs. Generally, the annuity company would have to provide the valuation of the annuity needed to determine the RMD requirement of the annuity to be able to determine the amount distributed during the year from the IRA annuity that is excess to the RMD requirements for the annuity.
