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Greetings, Jaydee65, and welcome. You asked:

<<Today you talked about Ira distribution after age 70.2 for married couples. How about singles who have tow children both named as beneficieries?>>

That, of course, is a different set of issues. First, your MRD when using joint life expectancies will be based on a factor that says the beneficiary(ies) is/are only 10 years younger than you are. Second, if the kids are beneficiaries of the same IRA, then their distributions after you die will be based on the life expectancy of the oldest when they pursue the stretch IRA concept. In that regard, you should read the great articles written by TMF Taxes on the stretch IRA and the one this week on beneficiaries. Both are linked in my column.

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