Subject: Re: RMD's at Vanguard
You have to keep track of your own RMDs. The brokers (you do have IRA accounts at multiple brokers, right?) don't know your withdrawal situation, they just report your total withdrawals to the IRS. - rayvt

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Thanks Yay. You and zoro got me understand it really is simpler than I was trying to make it. My plan for years and years had been to drain the TIRA before the RMD's arrived so I never paid much attention to the process.