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I'm pretty sure the law requires that you take your RMD before you do a conversion. So I'd expect any broker to ask about that.

However, since you can take your RMD from any IRA account for ALL of your IRA accounts, it would be easy to lie to a broker and say you took your RMD from some other account. Not that I'd advocate doing so at all.

Sorry Peter. This is one of those provisions where IRAs and 401(k)'s are different. You can take your IRA RMD from any combination of accounts you choose. An individual custodian has you way of knowing what your RMD is

Rule Your Retirement Home Fool
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