Have Finance Questions? Ask a Financial Expert Online.
Hi from just answer. I'm PDtax. I'll assist.
There really isn't a way around the rmd rules. And you have to take distributions from both your IRA and your defined benefit accounts.
The tax rules do allow Roth IRA accounts to escape the rmd issues, so if you wanted to convert some, and pay the current tax, that might be value you save for your estate, since it could grow without you ever needing to take an rmd.
Sorry I didn't have a better solution. Please rate my assistance to complete your request. I'm PDtax.