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URL:  http://boards.fool.com/our-feeling-is-that-it-should-be-done-after-the-30112631.aspx

Subject:  Re: Consolidating Traditional IRA'a Date:  6/23/2012  3:18 PM
Author:  TMFPMarti Number:  116332 of 121114

Our feeling is that it should be done after the RMD's are received in Oct? Our question: Is this the best time to initiate this plan?

No need to wait, nor any advantage. The onus for ensuring the RMD is taken from an IRA is with the owner, not the plan, so go ahead and move now. You just use the total value of both as of 12/31/2011 in calculating the 2012 RMD.

It sounds like maybe she's had these on auto pilot for RMD's. When you make the transfer, just advise the receiving custodian what 12/31/2011 balance to use. Or, skip the auto distribution for this year and figure it yourselves.

Phil
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