I've self-managed my own IRAs for 24+ years and managed inherited IRAs for the last 15. After wrestling with the annual RMD process across multiple inherited accounts — scattered custodian forms, three rule changes in four years, and a 25% penalty for mistakes — I founded SimpleRMD, a calculator and tracking tool that makes the ritual take ten minutes instead of half a day. Available to comment on Required Minimum Distribution rules, SECURE Act and SECURE 2.0 changes, inherited-IRA mechanics under Treasury Decision 10001, the 2025 enforcement transition for annual RMDs within the 10-year depletion window, Form 5329 and the 25% excise tax for missed RMDs, the correction-window reduction to 10%, and the practical mechanics of retirement distributions for both account owners and beneficiar...