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How much does Ray have to take out of his IRA this year?

q153 questions.yaml · questions.yaml:596 documentsfiles

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How much does Ray have to take out of his IRA this year?
A good answer

$28,012.02 for 2026, his first required year. It is on the second-quarter statement and in Tom Kittleson's April letter; it is in no record.

28,012.02
And how much of it has he taken?
A good answer

$14,000 by June 30 (March 16 and June 15, $7,000 each), leaving $14,012.02, scheduled as $7,000 on September 15 and $7,012.02 on December 15. A good answer says these figures are as of June 30, the date the newest statement ends.

14,012.02
Did the September one go through?
A good answer

Nothing saved shows it. The newest IRA statement ends June 30 and lists September 15 only as scheduled; the advisor's letter is from April; the newest bank printout covers August. The right reply says it was scheduled and that the account holds nothing later to confirm it, and suggests the third-quarter statement or the checking account. It must not say yes.

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Supporting records

The records the answer rests on, from from, with whose they are.

Whose: Ray (document_subject)
created2026-07-14 09:10
folderfolder-financial
about
- ray
namePemberwick - Ray's rollover IRA, second quarter 2026
Whose: Tom Kittleson (document_subject)
created2026-04-24
folderfolder-financial
about
- tom-kittleson
nameTom's letter after the April 2026 review
folderfolder-financial
nameHeronwood checking - August, printed from the website
created2026-09-02
Traps it covers

someone_elses Peg and Ray each have one of nearly everything, an IRA statement included. Both take atorvastatin, at different doses. Only Peg's health care power of attorney is scanned. "My" means Peg's.

only_in_file Facts that are in no record field but overlap across files, in different words. The appraised values of the Omega ($4,150) and the pearls ($1,900) are in the 2024 appraisal and on the valuables schedule; the 2016 appraisal has older figures. The successor trustees and the specific gifts are in the trust. What happens to the cabin is in the trust (sold), in the amendment that replaced that paragraph (kept by the three children; the saved amendment is a scan with no text) and in the lawyer's letter that explains the amendment. Ray's 2026 required withdrawal ($28,012.02) is on the IRA statement and in the advisor's letter, and the 2025 tax summary gives it as "about $28,000". The porch change order is in the contract; the receipt says only that the porch came in $800 over.