Dr. Merlot asked in part:<<Facts: both my wife and I turn 55 in 2000. I in feb, she in Oct. We want to use the Joint life expectancy division factor for the periodic payouts. Q1.To determine the numerator of the calculation, do I use the total value of all my IRAs(both deductable and non-deductable, but not my Roth) as of Dec 31, 1999?>>I'll second TheBadger's question. Are you sure you wish to use that method? It results in the least amount of income of the three alternatives available to you for a penalty-free early withdrawal from an IRA. The choice is obviously yours, but be sure that's what you want. Also, be aware that you don't have to use all of your IRAs for this calculation. You may use just one if you so desire. Further, you don't have to use the same method if you later decide to withdraw from another. In short, you can use a mix and match kind of strategy should you so choose. There's more flexibility here than is first apparent from reading the IRS publication.Regards....Pixy
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