My father recently passed away with an IRA at a credit union in 3 CDs. My mother is the sole beneficiary. They are both on an automatic RMD plan that takes the distribution in mid Dec of each year. 

The credit union plans to transfer my dad’s CD amount to one of my mother’s CDs and to take the RMD for both accounts from her IRA (contains 5 CDs in same credit union plus the addition of my dad’s) in mid Dec this year as always. Is there any problem with doing it this way?

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