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You'll have to get the RMD from all of your plan administrators.
Once you have the total RMD, you can withdraw it from as many plans as you'd like. For example, if your total RMD was $10k, you could withdraw $10k from just one, or from as many as you'd like. The total RMD would have to be $10k.
You'll have to get the RMD from all of your plan administrators.
Once you have the total RMD, you can withdraw it from as many plans as you'd like. For example, if your total RMD was $10k, you could withdraw $10k from just one, or from as many as you'd like. The total RMD would have to be $10k.
If this is an deferred IRA annuity, only your IRA custodian will be able to properly determine the year-end Fair Market Value on which the RMD for the account is to be based because the calculation involves determining the added value resulting from the guaranteed income rider. Your IRA custodian should then report it to you on Form 5498. (To calculate your 2017 RMD you would use the FMV reported on the 2016 Form 5498 that you received in 2017.) You'll then be able to calculate the RMD for this account based on this FMV and aggregate this RMD with RMDs calculated for other IRA accounts and take the aggregate from any of the IRAs in any combination.
If this is instead an immediate IRA annuity, the whole amount is your entire RMD from the annuity and cannot be aggregated with those of other IRA accounts.
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