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Returning Member
posted Jul 5, 2019 10:33:47 PM

RMD withdrowal of both spouses

My wife and I both are over 70 1/2, filing joint return. Can I take summ of RMDs (my and my wife) from my IRA only and keep my spouse IRA untouched?

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2 Replies
Alumni
Jul 5, 2019 10:38:45 PM

No. IRA = INDIVIDUAL Retirement Account. RMD amounts are based on your individual longevity.

Level 15
Jul 6, 2019 10:41:33 AM

You must each take your own RMD from your own IRA.