@pezlud - Age would make no difference on a total distribution and there is never a penalty on a beneficiary IRA if that is what this is, but that is determined by the box 7 codes. A RMD does not apply to a total distribution - by definition, a total distribution is *always* more than the RMD.
**Disclaimer: This post is for discussion purposes only and is NOT tax advice. The author takes no responsibility for the accuracy of any information in this post.**
