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Greetings, WTR, and welcome. You asked:

<<I have an IRA and a 403-b retirement account. If I retire early and want to take "substantially equal periodic payments" (SEPPs), do I use the combined balances of my retirement accounts to calculate the SEPP, or can I just take SEPP from one of the accounts?
My IRA trustee said it didn't know and I'd have to check with the IRS. Any help, Pixy?>>

No, you do not use the combined amounts. Each IRA and each retirement plan is treated as a separate and stand-alone account for the purposes of SEPP. As an example, you could have three IRAs and three 403b accounts, or six accounts in total. Each account stands on its own. So you could take SEPP from one IRA or all three, and the same from the three 403b accounts.

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