How do required minimum distribution calculations work if I am turning 73 this year, considering my wife is much younger and our accounts are split between Schwab and Fidelity?
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The searches the AI actually ran for this prompt.
SEED QUERY
How do required minimum distribution calculations work if I am turning 73 this year, considering my wife is much younger and our accounts are split between Schwab and Fidelity?
2 real searches · 1 real-search pass
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Classifying 2 queries…
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ChatGPT2 real searches · gpt-6
IRS required minimum distributions age 73 2026 spouse more than 10 years younger sole beneficiary joint life expectancy table IRA aggregation employer plans Google ↗
Schwab Fidelity RMD multiple IRA accounts aggregate RMD calculation separate 401k Google ↗
- Retirement topics - Required minimum distributions (RMDs) · irs.gov
- Publication 590-B (2025), Distributions from Individual Retirement Arrangements (IRAs) · irs.gov
- Publication 590-B (2025), Distributions from Individual Retirement Arrangements (IRAs) · irs.gov
- Retirement plan and IRA required minimum distributions FAQs · irs.gov
- How do I calculate my required minimum distribution? · fidelity.com
- RMD Reference Guide · schwab.com
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
IRS required minimum distributions age 73 2026 spouse more than 10 years younger sole beneficiary joint life expectancy table IRA aggregation employer plans OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 | |
Schwab Fidelity RMD multiple IRA accounts aggregate RMD calculation separate 401k OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 |