My husband, who died in January, and I had separate IRA accounts. When my husband passed, he had not yet made the 2026 RMD based on his 12/31/25 IRA balance, but had received the advice from Vanguard as to the amount that he should pay.
I am older than he was, so the RMD for my own IRA assets will be based on my age, i.e., a larger percentage.
My question is whether, when taking the RMD for 2024 (which I have not yet done), should the amount of the RMD be: a) The sum of the two amounts contained in our Vanguard notices? or b) Be recalculated on the entire value of both accounts at 12/31/24 based on my age alone? or c) Be only the amount that Vanguard advised for my own account (i.e. disregarding his RMD entirely during the year of his death)?
Please advise.
