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With 401(k)s or other workplace plans, the RMD must be taken from each individual account you own. If you've left a trail of 401(k)s at various jobs over the years, that can be a chore - and a good argument for consolidation, argues Fahlund. "If you're just getting into the world of RMDs, it's a good time to consolidate your 401(k)s and IRAs," she says. "Minimize the number of accounts you have, so you can keep track of them more easily." |
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