A. No. You can apportion the required amount any way you want. For example, if you’re required to withdraw $10,000, you can take the entire $10,000 from one IRA or split it between two or three IRAs. The required minimum distribution (RMD) is based on your life expectancy and the total amount of your IRA holdings.
Tip: RMDs are taxed at ordinary income rates, currently reaching as high as 35%.
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