I have an Allianz annuity within my IRA acquired with funds within the IRA. In 2012, I annuitized it over a period of ten years (121 equal monthly payments). Since then, I have calculated the annuity payments as contributing to my RMD with that RMD calculated at the beginning of each year based on the value of all other assets in the IRA plus the value of the remaining unpaid annuity payments. Seems logical! Now someone comes along and tells me I can’t do that. I was told that once an annuity in an IRA is annuitized it is considered to “have no value,” and its payments can not be used to count toward RMD for the IRA. Thus I need to satisfy the RMD from the remainder of the assets in the IRA separately from the annuity as though it no longer even existed. When I asked for the authority (i.e., US Statute) covering this, it was suggested I contact Ed Slott, “He’d know all about it.” Your comments please.