2025 RMD's

[user17660820562]

For 2025 deductions, is one aggregate deduction still acceptable? Or must every individual retirement account have a minimum deduction?

[VolvoGirl]

Depends if it is from IRA or 401k accounts.  You can only combine IRA accounts.   Each 401k, 403b, 457 etc are done separately.  

[Mike9241]

also inherited IRAs are subject to different RMD rules.

[dmertz · Accepted solution]

The same way that RMD for an individual's traditional IRA can be aggregated with the RMDs for the individual's other traditional IRAs, the RMD for a 403(b) account can be aggregated with RMDs for individual's other 403(b) accounts.

As Mike9241 indicated, inherited retirement accounts are separate from the individual's own accounts.