Is it possible to take my inherited portion of the TDA, convert it to an inherited IRA, and then combine that inherited IRA into one account with the inherited IRA already at Vanguard?Tax law allows, but does not require, the plan to do a direct transfer into an inherited IRA, so part of the answer depends on what they say. If they do such a transfer tax law does not allow you, a non-spouse, to roll it anywhere or make any contributions to it (Pub 590. p. 25).Your Required Minimum Distributions begin next year unless you choose to take the entire amount within 5 years. See the discussion beginning on page 37 of Pub 590. While you must calculate the RMD for each IRA separately, I see nothing that prohibits you from taking that amount from whatever combination of accounts you choose.PhilRule Your Retirement Home Fool
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