A rollover can be initiated whenever you’re ready. What is a required minimum distribution (RMD)? RMDs are withdrawals that retirement account owners are required to take after they retire.

While the process might sound simple, it's essential to ensure all steps are followed to the letter ... handling the rollover will send you a Form 1099-R detailing the distribution from the ...

you can make up to $108,000 in charitable gifts from your IRA account each year and reduce your federal taxes on the distribution. Gifts made through an IRA charitable rollover are not reportable ...

You are beyond the date where you can ‘put it back’ using the 60-day rollover ... a private letter ruling from the IRS to waive the 60-day rule. But it would have to be a big distribution ...