RMD question for two accounts from same company

[CCCA]

My mom turned 70.5 this year and needs to take her RMD from her workplace retirement account (TIAA-CREF).  She has two separate workplace accounts with TIAA.  Does anyone know if she is required to take the RMD from each account or if taking the correct amount out of one account based upon the account value of both accounts (1/27.4=3.65%) is okay?


example:
Acct1: 500,000
Acct2: 100,000
Does RMD require withdrawal of $18250 from account 1 and $3650 from account 2, or just $21,900 from either or both of the two accounts, again with the same company (TIAA-CREF)?
 

thanks, 

[AustinKat]

She should call TIAA-CREF and ask them to be sure, but I'd guess she'll have to take the RMD from each account. I inherited two IRAs from my mother, a traditional and a Roth, and I have to take beneficiary RMDs from both of them.

[CCCA]

thanks, just to be safe, I set up the withdrawal to come from each separate account.  It didn't really matter either way for her, so I just did what was safest. 


Anyway, it's easy (and fun) to help out my mom with these financial matters as she is in great shape financially, after a lifetime of mustachian living.  She has quite the retirement 'stache, but doesn't really need it because her SS covers all of her primary needs and then some.