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You will have to take MRD from each type of account (lumped together) for each individual.

In your case this means you and your wife will have to take 4 MRDs: one for you from all of your 403bs, one for you from all of your IRAs. Similarly, your wife will have to take an MRD from her 403b(s) and another from her IRAs. If you have more than one account (two IRAs) you can split the distribution between the accounts any way you want.

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