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September 27, 2022

RMD Aggregation- Can I take my 401(k) RMD from my IRA?

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RMD Aggregation- Can I take my 401(k) RMD from my IRA?

I have a 401(k) and a traditional IRA, and need to take required minimum distributions (RMD) from both accounts. Can I take the total amount from my 401(k)?

Frequently Asked Questions IRAs
FAQ – Frequently Asked Questions-IRAs

No.  The aggregation of RMDs for a 401(k) and an IRA is not permitted. Therefore, each account must satisfy its RMD independently

Written By

Denise Appleby

Denise is CEO of Appleby Retirement Consulting Inc., a firm that provides IRA resources for financial/ tax/legal professionals. She has over 20 years of experience in the retirement plans field, which includes training and technical consultation.

Denise writes and publishes educational /marketing tools for advisors; available at http://irapublications.com. Denise co-authored several books on IRAs

Denise is a graduate of The John Marshall Law School, where she obtained a Masters of Jurisprudence in Employee Benefits, and has earned 5 professional retirement designations.
She has appeared on numerous media programs, sharing her insights on retirement tax laws.

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