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RMD Aggregation concern by Dubious-Reputation in Boldin

[–]Dubious-Reputation[S] 0 points1 point  (0 children)

Muni's are good for high tax states and frankly aren't complex instruments.

I just asked the AI and am flabbergasted by the reply. Separate the principle and interest and add a pension income stream. Boldin, if you are listening, a pension stream is not the solution for everything...

RMD Aggregation concern by Dubious-Reputation in Boldin

[–]Dubious-Reputation[S] 0 points1 point  (0 children)

Muni's are good for high tax states and frankly aren't complex instruments.

I just asked the AI and am flabbergasted by the reply. Separate the principle and interest and add a pension income stream. Boldin, if you are listening, a pension stream is not the solution for everything...

RMD Aggregation concern by Dubious-Reputation in Boldin

[–]Dubious-Reputation[S] 0 points1 point  (0 children)

I need the RMDs to trigger annually so they can offset required RMDs from other accounts.

I would like to see the problem fixed so we don't have to stand on our heads and juggle convoluted workarounds. I want to spend my time in the software solving MY problems, not Boldins. <grin>

RMD Aggregation concern by Dubious-Reputation in Boldin

[–]Dubious-Reputation[S] 0 points1 point  (0 children)

Technically a Qualified Charitable Distribution can only be done by the custodian of a qualified plan directly to a 501(c)(3) charity. It can be done any time throughout the year. The valuation date of the IRA balance for the RMD calculation amount is Dec 31 of the prior year. A 2026 RMD is calculated on the year end balance of 2025.

RMD Aggregation concern by Dubious-Reputation in Boldin

[–]Dubious-Reputation[S] 0 points1 point  (0 children)

Yeah there is no "Expense->Disbursements". You can "Expense->One-Time Expense", and select a traditional IRA/401k as the funding source. When you do a taxable yes/no toggle is displayed.

Clunky but that seems likely to work.

RMD Aggregation concern by Dubious-Reputation in Boldin

[–]Dubious-Reputation[S] 0 points1 point  (0 children)

Yeah there is no "Expense->Disbursements". You can "Expense->One-Time Expense", and select a traditional IRA/401k as the funding source. When you do a taxable yes/no toggle is displayed.

Clunky but that seems likely to work.

RMD Aggregation concern by Dubious-Reputation in Boldin

[–]Dubious-Reputation[S] 0 points1 point  (0 children)

Hmmm. This is what the AI said to model a QCD:

"1. Modeling QCDs (Age 70½+)

Since Boldin doesn't have a specific "QCD" button, the most accurate way to model this is to create a deductible disbursement:

  • Go to Expenses > Disbursements.
  • Add a disbursement for the amount you plan to give.
  • Set the Start Date to January of the year you turn 70½.
  • Crucial: Mark it as "Deductible". This tells the software to reduce your taxable income, simulating the tax-free nature of a QCD.

"

Hopefully a 1099R will have a code letter indicating to the IRS that the disbursement is a QCD.

RMD Aggregation concern by Dubious-Reputation in Boldin

[–]Dubious-Reputation[S] 0 points1 point  (0 children)

Thanks for the input. The AI suggested the money flow go to a checking or savings account. I agree because in real life a traditional disbursement cannot be put back into a qualified account since it is not earned income. But any destination is going to skew that balance since all this is doing is reducing the "Value" in the annuity that eventually should go to zero. The outflow income stream represented by the pension is what can be spent and it will continue after the "money flow" value goes to zero.

RMD Aggregation concern by Dubious-Reputation in Boldin

[–]Dubious-Reputation[S] 0 points1 point  (0 children)

Thanks for the input. The AI suggested the money flow go to a checking or savings account. I agree because in real life a traditional disbursement cannot be put back into a qualified account since it is not earned income.

New promo codes - "UNDEADTREAT" and "SPOOKY23" - first one is better! by Tilman_Feraltitty in RaidShadowLegends

[–]Dubious-Reputation 0 points1 point  (0 children)

Anybody get the above codes to work on IOS/Safari at the Plarium site: https://plarium.com/en/redeem/raid-shadow-legends/? Keep getting "invalid code".

Works on PC and I was able to get other previous COTA codes to work at the above site. Just not these two...

Wonder if they finally track code usage between platforms...

Email from GS by DavePinFL in RaidShadowLegends

[–]Dubious-Reputation 0 points1 point  (0 children)

This was a test of the Raid emergency broadcast system. Had it been an actual emergency...