A client, age 72, is receiving RMDs from a previous employer's 401(a) plan. She wishes to roll this money into a 403(b) plan with her new employer and stop the RMDs from the old plan.

Can a participant roll the 401(a) funds into the 403(b) plan (assuming plan permits it and permits delayed mrd) and avoid having to take RMDs from the 401(a) plan going forward, until she retires?

yes once her account balance in the Q plan is reduced to 0, the amount of mrds for the nex year are 0.