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To: macbolan who wrote (23693)	12/19/2025 11:22:53 AM
From: SeeksQuality	4 Recommendations Recommended By chowder IncHunter macbolan Waitress Read Replies (1) \| Respond to of 23773

Be aware that the RMD rules for a Traditional IRA and 401k are different. See Q5 in the FAQ sheet linked: irs.gov Short answer - yes, while the RMD is calculated on each individual IRA account, you can satisfy it with a distribution from just one of those accounts. This is in contrast to 401k plans where the RMD must be taken from each plan separately.

To: macbolan who wrote (23693)	12/19/2025 11:27:10 AM
From: Steve Mac	2 Recommendations Recommended By jvincen2 macbolan Read Replies (1) \| Respond to of 23773

Re: Question about RMDs I've researched this before, but didn't remember all the details. So I looked it up again. Here's the quick AI response: How RMDs Work with Multiple IRAs • Calculation: • Each IRA’s RMD is calculated individually based on its year-end balance and your IRS life expectancy factor. • Aggregation Rule: • Once you know the RMD amounts for each IRA, you can aggregate them and take the total required amount from one IRA or split it across multiple IRAs. • This flexibility applies to Traditional IRAs, SEP IRAs, and SIMPLE IRAs. • Contrast with Other Accounts: • For 401(k)s, RMDs must be taken separately from each account. • For 403(b)s, you can aggregate across accounts, similar to IRAs. • Roth IRAs: No RMDs are required during the owner’s lifetime.

To: macbolan who wrote (23693)	12/19/2025 2:12:38 PM
From: jvincen2	5 Recommendations Recommended By chowder IncHunter Just Fine macbolan Steve Mac Read Replies (1) \| Respond to of 23773

You have received two spot on correct answers already but would add something to think about. Since you are here moving around the web is apparently routine for you so my advice would be to start going directly to the source which is the IRS website. It's easy as heck to do now days and if nothing else once that becomes habit will let you "trust but verify" other answers offered about income taxes in general. Mine start in 2026 so been brushing up on them myself :) It would take mere seconds to get here for example irs.gov Q5. Can an account owner just take a RMD from one account instead of separately from each account? An IRA owner must calculate the RMD separately for each IRA they own 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 they own 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, must be taken separately from each of those plan accounts.