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Subject:  Re: IRA RMD in year of death Date:  7/2/2014  6:48 PM
Author:  irasmilo Number:  121045 of 127753

It's taxable to "the distributee" which may be a named beneficiary, on his/her 1040, or the estate's 1041, if that's where it's paid.

In other words, "follow the money". Does the executor have any flexibility here, ie., have the RMD paid to the estate vs. paid directly to the IRA beneficiaries? Assume for the sake of argument that the IRA beneficiaries and the Estate beneficiaries are the same and have the same percentage interest in the IRA and Estate. In other words, if the Estate's marginal income tax rate is lower than the beneficiary's can the executor opt to have the RMD paid to the Estate?

Ira
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