You must compute the Required Minimum Distribution for each IRA, and then add all Required Minimum Distributions together. ?You then have the option to withdraw the total of all the Required Minimum Distributions, in equal or unequal installments, from any one or more of your IRAs to the complete exclusion of others.
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The previous rule does not apply to the Qualified Plans. ?You must compute your Required Minimum Distribution for each Qualified Plan, and you must withdraw the RMD from that plan.
Excerpt from The Complete Guide to Estate and Financial Planning in Turbulent Times (Collaborative Press, 2011) - Walt Dallas, Contributing Author
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