But how does someone determine their RMD for any given year? The IRS offers RMD worksheets, but your brokerage firm or IRA's custodian will give you your IRA's exact value as of the end of the ...

you'll use the Joint Life and Last Survivor Table instead. You can use the IRS' worksheet and reference tables (in Appendix B) to help calculate your RMD. Using your account value -- which is ...