The formula for calculating your RMD is to divide your prior year-end account balance by a life expectancy factor found in the IRS Uniform Lifetime Table.
This factor is determined by your age on December 31st of the distribution year.
Step-by-step calculation:
1. Find your prior year-end account balance.
2. Determine your life expectancy factor
3. Divide the balance by the factor
4. Repeat for each account
5. You can combine the totals to take the distribution from any one or more of the accounts.
For additional info:
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