Concerning the hybrid method for IRA distributions, there is no table to use in the IRS publications. There is an example on how to calculate it, but using that method I ran out of guidance around age 85. I am waiting to hear from the IRS (if I hear from them at all). I don't understand why they can't publish a table for this since I think it is the best way to go. Has anyone computed this? (I could use 71/70 age calculations) I have talked to IRA holders that don't 'allow' term certain and asked them why they care.I said I would be responsible for the calculation since I had more than one IRA and would decide where I would get the money myself.They then said I could do that. Anyone else had experience with this? This situation should not be unusual.