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Thanks for your column Chris....
A fine point.....
Technically, for purposes of RMD calculations, the IRS treats ALL of your IRA'S as ONE. So the calculation is based on the prior year 12/31 separate balances ADDED TOGETHER. And you are quite correct that the RMD may be taken however you wish, from one or more accounts.
Only ERISA qualified plan RMD's MUST each be calculated and paid separately.
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