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  1. I have been unable to find a definitive answer to my question about mid year rollovers and 72t distributions. I hope someone can help. Both my wife and I (both will be 55 when retiring) plan on retiring and rolling our 403B monies into IRA's. We plan to roll the 403B's into multiple IRA's so as to add to our flexibility. We plan on withdrawing from the IRA's using 72(t) provisions starting as soon as possible. The rollovers will occur in January and February. What amount do we use to calculate the withdrawal amount since there will be no balance in the IRA's on Dec. 31 of the previous year? I would guess if I were to rollover the 403B monies into one IRA for each of us then I could use the Dec. 31 value of the 403B account. But I would like the flexibility of being able to fall back on a lesser RMD amount if circumstances warrant. That is why I would like to break the 403B monies into smaller IRA accounts. Thanks for your time and consideration.