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I have Advanced Series XTra Credit SIX annuity with Prudential. I am now 71 yrs old and they never sent me information regarding annual withdrawals. I now have to take two April deferral RMD checks. What are the implications if I decide to withdraw the entire $28,609.50? I am not familiar with any of this and would appreciate any help in understanding the process. Should I just sign up for the 2 RMD checks or take the withdrawal of all of it?