1099 R

[dogwood1663]

I HAVE A VOYA ACCOUNT THAT ONCE A YEAR TRANSFERS A 1/5 TH OF THE ACCOUNT BALANCE TO MY FIDELITY ACCOUNT. I HAVE BEEN TAKING MONEY FROM THE FIDELITY ACCOUNT BUT AM CONCERNED THAT VOYA IN NOT PRODUCING A 1099 R. MY EX EMPLOYER ENDED THE RELATIONSHIP WITH VOYA 4 YEARS AGO AND ALL ACCOUNTS WERE FROZEN WITH ANNUAL PAYOUTS.HOW DO i HANDLE THIS WITH THE IRS?

[VolvoGirl]

Do you get a 1099R from Fidelity?   Is the Voya account a 401K or what kind of account?  If they are doing a direct transfer to fidelity you probably don’t need a 1099R from Voyager.

[dogwood1663]

YES AS 2025 WAS MY FIRST YEAR FOR RMD WITHDRAWLS.  BUT HAVE CAN NOT WITHDRAW ANY MORE FROM VOYA, IT HAS TO BE A DIRECT TRANSFER FROM VOYA TO FIDELITY.  THESE ARE 403B ACCOUNTS BY THE WAY.

[VolvoGirl]

@dmertz   How do 403b accounts work for this?  

[dmertz]

The RMD for a 403(b) account can be aggregated with those of other 403(b) accounts, but not with IRAs.