An IRA owner must calculate the RMD separately for each IRA that he or she owns, but can withdraw the total amount from one or more of the IRAs. Similarly, a 403(b) contract owner must calculate the RMD separately for each 403(b) contract that he or she owns, but can take the total amount from one or more of the 403(b) contracts.
However, RMDs required from other types of retirement plans, such as 401(k) and 457(b) plans have to be taken separately from each of those plan accounts.
I am thinking that the traditional IRA saving accounts that my wife and I have are 457b accounts and the RMD can be withdrawn from one. Could the annuity IRA also be a 457b?
You have to calculate your withdrawals separately from your wife’s accounts. Your financial institutions can answer any questions you have.