The IRS lets you aggregate some RMDs but not others — a mistake could trigger penalties
The Details
You can satisfy all traditional IRA RMDs from just one IRA, but if you have three 401(k)s from different employers, you need three separate withdrawals. Many retirees accidentally aggregate 401(k) RMDs like they do with IRAs.
What this means for you
Retirement decisions compound — getting one of these details wrong can cost tens of thousands of dollars over a retirement. The good news: most of these mistakes are completely avoidable if you understand how the rule actually works.
Next step
If you want to see how this applies to your specific situation, take the free
Retire Ready Score — a 2-minute assessment that scores your current plan across income, taxes, healthcare, and protection.
