dmertz
Level 15

Retirement tax questions

Yes, you can designate an RMD to be a Qualified Disaster Distribution.  Doing so would mean that you would include the distribution in income in equal parts over 3 years, but I'm not sure that that would be particularly beneficial since it would just be moving taxable income from 2018 into a future year where it could potentially bump you into a higher tax bracket or increase the amount of Social Security income that is taxable in the long run when combined with the future RMDs.  But you'll need to do your own analysis on that.

https://www.irs.gov/publications/p590b#en_US_2018_publink100073838

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