QDRO filed in 2022. Separate 401k account established. The alternate payee (former spouse) is required to take the first RMD based on the participant reaching 73 this year, 2026. As I understand it, Treasury Regulations designate the Universal Life table for the calculation of the RMD. Fidelity has calculated the RMD using the Single Life Table.
Eleven days after requesting clarification, Fidelity has continued to refuse to offer further explanation except to say “we have done the calculation and we’re not changing it.” Followed later in the conversation with “if you do not take the distribution voluntarily, you will be forced to take it.”
Am I destined to loose this argument? Can they actually do this? Am I missing something and I am actually in the wrong?
