Take RMD from one acct, with one inherited and one own IRA? | Ed Slott and Company, LLC

Take RMD from one acct, with one inherited and one own IRA?

Can we take the total combined RMD from one account, when the two IRA accounts to combine are one inheritied IRA and the other her own IRA, with 2 different RMD calculation methods? Thanks!

No, not unless the beneficiary is a surviving spouse who assumes ownership of the inherited IRA or rolls it over in a year following the year the IRA owner passed. In that case, the inherited IRA is not treated as an inherited IRA for RMD purposes since it is no longer inherited at the end of the year. IRA aggregation for RMD purposes can apply for: 1) Owned IRAs regardless of RMD divisor differences 2) Inherited IRAs if inherited from the same original decedent and if life expectancy method applies to both
 

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