dmertz
Level 15

Retirement tax questions

Once you move the money to your own IRA, it's no longer in an inherited IRA.  Since you did this move in 2019, your 2020 RMD will calculated using the Uniform Lifetime Table and the FMV in your traditional IRAs on December 31, 2019 which will produce a lower RMD that you would have if you left the money in the inherited IRA and had to take a beneficiary RMD instead.