ColeenD3
Expert Alumni

Retirement tax questions

So you did not get a 1099-R for your 403(b) from TIAA? Be sure that they distributed the money in 2019. You should have gotten one.

 

Yes, you met your RMD, (assuming TIAA followed through). It would be reported on your 2019 return.

 

Combining Different Types of Accounts

RMDs from non-Roth IRAs can all get bundled together. That is, after calculating the RMD for each of your non-Roth IRAs (including traditional IRAs, rollover IRAs, SEP IRAs, and SIMPLE IRAs), you can then add up all of those RMDs and take that total RMD from any combination of those accounts.

 

@MT-19

 

Employer-sponsored defined contribution plans — such as a 401(k) — work differently than IRAs. With them, you must calculate your RMD from each plan and take it from that plan. (Exception: If you have multiple 403(b) plans, you can combine the RMDs from those plans and take it from either of the 403(b) plans — much like you can do with IRAs.)

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