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I imagine the RMD is going to get complicated if we have multiple retirement accounts.

It is possible to make it complicated. Most of not all Administrators calculate the RMDs for accounts under their control. An easy option is to take the calculated amount for each account.

This avoids any concern about taking distributions from the correct type of account. A common mistake is to take the total of RMDs from one account and not realize that a distribution from a TIRA doesn't count for a 403b or any different type of retirement account. I suspect it probably wouldn't count for an inherited IRA.
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