Maybe I should clarify – I was told by TIAA that I can’t take my RMD as a QCD in this account. When I was notified I had to do RMD’s I asked & they said I couldn’t do a QCD. I Have Not set this account to have an amount taken out every month or routinely. I call tell them to send a ck for the RMD. In March I called (was finally going to have something done so I wouldn’t have to call every yr). At that time since (one of the accts require a spousal waiver, the person said I may want to wait as there was something in the works at Fed. level. I’m “guessing” since I hadn’t set this up to be drawn out routinely is why I might not have to take this out. I’d prefer not to.