Your RMD is generally determined by dividing the adjusted market value of your IRAs as of Dec. 31 of the preceding year by the distribution period that corresponds with your age in the Uniform Lifetime Table. (Table III in IRS Publication 590-B, Distributions Individual Retirement Arrangements (IRAs)). Choice recommends you speak with a tax advisor for questions that are more specific about distributions and RMD requirements. The RMD letter received is calculated based off of your accounts at Choice and does not take into consideration other accounts held outside of Choice.