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Hey there, u/dirk2900. You're in the right place to learn more about consolidating your Rollover IRAs. I can review this process with you.
Moving funds between Rollover IRAs is not considered a rollover since they have the same account registration. These types of transfers are non-reportable transfers, do not result in a taxable event, and generally reflect immediately or after an overnight cycle.
Since you're looking to transfer between IRAs, I want to quickly touch on commingling. Commingling assets is when you combine different types of retirement plan assets into one account, such as rolling over workplace plan assets and making annual contributions into the same IRA. If you plan to roll these funds into a new workplace plan in the future, please be aware that many plans do not accept commingled assets.
Regarding your Required Minimum Distribution (RMD), generally, consolidating your Rollover IRAs will not impact the RMD. As a reminder, RMDs for IRAs are calculated individually for each IRA, but can be taken from a single IRA. As long as the transfers between the accounts happen as non-reportable, you'll just need to ensure the total RMD is withdrawn by the end of the year. If the accounts are at Fidelity, the Retirement Distribution Center will keep track of this too.
You mentioned wanting to get rid of 2 Separately Managed Accounts (SMAs), so I want to point out that if the accounts are at Fidelity, we treat transfer to self-directed accounts as non-reportable transfers. If some of your accounts are not at Fidelity, the best way to consolidate will be to complete a Transfer of Assets (TOA) through the link below.
[Transfer Your Accounts to Fidelity](https://www.fidelity.com/customer-service/transfer-assets)
Finally, if you have an RMD PWS plan established, you'll want to make sure to change your payment instructions once the accounts are consolidated.
We covered a lot here, so please feel free to follow up in the comments below if you have any additional questions or need any clarification. Our team is here to help!

Hey there, u/dirk2900. You're in the right place to learn more about consolidating your Rollover IRAs. I can review this process with you.
Moving funds between Rollover IRAs is not considered a rollover since they have the same account registration. These types of transfers are non-reportable transfers, do not result in a taxable event, and generally reflect immediately or after an overnight cycle.
Since you're looking to transfer between IRAs, I want to quickly touch on commingling. Commingling assets is when you combine different types of retirement plan assets into one account, such as rolling over workplace plan assets and making annual contributions into the same IRA. If you plan to roll these funds into a new workplace plan in the future, please be aware that many plans do not accept commingled assets.
Regarding your Required Minimum Distribution (RMD), generally, consolidating your Rollover IRAs will not impact the RMD. As a reminder, RMDs for IRAs are calculated individually for each IRA, but can be taken from a single IRA. As long as the transfers between the accounts happen as non-reportable, you'll just need to ensure the total RMD is withdrawn by the end of the year. If the accounts are at Fidelity, the Retirement Distribution Center will keep track of this too.
You mentioned wanting to get rid of 2 Separately Managed Accounts (SMAs), so I want to point out that if the accounts are at Fidelity, we treat transfer to self-directed accounts as non-reportable transfers. If some of your accounts are not at Fidelity, the best way to consolidate will be to complete a Transfer of Assets (TOA) through the link below.
[Transfer Your Accounts to Fidelity](https://www.fidelity.com/customer-service/transfer-assets)
Finally, if you have an RMD PWS plan established, you'll want to make sure to change your payment instructions once the accounts are consolidated.
We covered a lot here, so please feel free to follow up in the comments below if you have any additional questions or need any clarification. Our team is here to help!