I have a 401K and an IRA, turned 70.5 on 12/29 and deferred last years RMD until now. As I understand it I have to keep the 401K RMD withdrawal separate from my IRA RMD. If I withdraw the remainder of the 401K, withhold tax, can I use that remainder as part of my overall RMD for this tax year?
Lake County Illinois
This information from the IRS should answer your questions: https://www.irs.gov/retirement-plans/rmd-comparison-chart-iras-vs-defined-contribution-plans