I'm 72 years old and still working right now. Since I have no Traditional IRAs, just Roth IRAs and my employer's RA plans, I have not taken any RMD as yet. I plan to retire later in June of this year, which would make this year my first RMD year. My employer has several RA plans (401a,
403b, 457b), all of which I have and all of which are spread over the two different vendors/trustees that my employer uses. To prepare for retirement, I would like to do some direct transfers (e.g., trustee-to-trustee or 90-24 transfers) to consolidate and simplify my six different RA contracts. I don't know the rules for such direct transfers in an RMD year and whether they are allowable. I've heard that, in general, the first RA distribution in an RMD year is considered part of the RMD for that year. But does this general rule apply to direct transfers of 401a, 403b, or 457b? How should I proceed?-------------------------------------
-VK