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AJ and others,

I have a related and very specific inquiry that I can't find a definitive answer to.

I know that we are required to wait until 70 1/2 to do a QCD. In my case, I have been taking RMDs on an inherited IRA since 2015 and the amount is tied to my age/longevity. The RMD is $1,500 against a $31,000 value. Since RMDs have begun, is it possible to match a QCD with the annual RMD? Or, is the primary prerequisite being 70 1/2 regardless of the RMD status?

Like the OP, I plan to use QCDs extensively to work down our traditional IRA value. The sooner I can started, the better!!

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