I turn 72 next year and have some questions about my RMD and tax laws.1. Is the total that the RMD is based on effective Jan 1 of the calendar year I am making the distribution or when I make the distribution or distributions?
2. If I just transfer equities or funds from my IRA into a personal account, I know I pay full tax as income on the withdrawl. If those funds are then in a regular brokerage account, are capital gains taxes based on the date of transfer of the funds to regular account? Or does it revert to what the original purchase price of security when purchased for the IRA ? That would seem to be paying double on capital gains, if so. 3. If I donate security to a charity, how would I then calculate taxes? Would I be limited in the deduction to be based on what my income is or would it all be tax free
