FlaBuckeye: "Does this mean that I die, and my wife is the beneficiary to my IRA, that she has to take a total distribution within 5 years?Doesn't seem fair."No. Spouses that are benficiaries of an IRA from their spouse can roll it into their own IRA.No other beneifciary may do so. If they roll it, it must by styled along the lines of IRA of John Q. Smith, deceased, for the benefit of (usually styled FBA) Jane D Smith.Regards, JAFOPS - IIRC, it also makes a difference whether the deceased had started taking RMDs or was young enough at passing that RMDs had not started.PPS - I may have a .pd saved somewhere, but Schwab previously had good information - see e.g., http://www.schwab.com/public/schwab/investing/retirement_and... ANDhttps://www.schwab.com/cms/P-1625576
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