RMD Overriding Special Withdrawals
In my situation I need to facilitate larger special withdrawals annually from my IRA funds up through age 75. I have specified a large withdrawal annually from age 62 through age 75. When I run the report the amount of the withdrawal changes at age 70 to a much lesser amount. After several runs, and a lot of head scratching it occurred to me that withdrawal for the RMD at age 70 was overriding my larger withdrawal amount. I double checked the RMD against the previous year's balance and the $$ amount is exactly the correct figure for an RMD. This hold for all years age 70 and later where a special withdrawal was specified that was larger than the RMD. I need help getting around this as this greatly affects standard of living calcs.
Should the RMD calculation be overriding a special withdrawal?
Thanks for the assist.