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When I make a withdrawal from my IRA I specify a percent goes to the feds, another percent that goes to the state. As far as I know I could make them add up to 100% if I chose to. If I ever have to do a quarterly payment that's how I figure on doing it with no paperwork. (I am years from RMD. When I did a conversion to my ROTH I had to talk with them on the phone because I wanted taxes held out - their default was no withholding on a conversion.)

Other than RMDs from an inherited IRA we have made no deductions from our IRAs. While our Roth conversion last month was a taxable event, we did not wish to have the taxes withheld from the conversion funds as that would lower the amount of the Roth conversion. Instead we are paying the taxes due from taxable funds. We have had to do estimated tax payments this year as DH does not have an employer, but we knew we would be doing conversions up to the top of the 24% tax bracket so we simply assumed that much income and paid the taxes on it quarterly.

Fidelity would have taken the tax money out of the conversion funds had we asked. Not sure they would have taken them from a taxable account, or indeed an RMD, had we been taking them from our accounts.

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