I agree that a 401K has a RMD. While similar in many respects IRA's and 401K's have some different rules. I am a CPA and I am not sure your investment advisor is, but I would have him show you where he found this.
In the example below is where a tax professional suggested a client with a 401K get a QCD by transferring amount to the IRA and doing it that way (so it was within the tax laws).
Here is a way to do this within the tax code.
Yes, client can do a direct rollover of intended QCD amount to a new or existing IRA account. Assuming client has actually passed 70.5 (to the day), client can then do a QCD from the IRA account. However, if client has already taken any IRA distribution anytime this year, the QCD will not offset the taxable income from the earlier IRA distributions which would be deemed to apply to his IRA RMD. Therefore, to get the maximum benefit from the QCD, the client should not have taken a prior IRA distribution.
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