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Greetings, Wingwanch, and welcome. You asked:

<<In your last post, you mentioned that you have several IRAs, does that mean that you have several IRA accounts? To the IRS you only have one IRA, although maybe you can have one Traditional IRA and one Roth IRA. So can you than use one of these IRA accounts to take out substantially equal amounts at age 58 until age 63, and then treat the other IRA accounts normally for withdrawals at age 59 1/2?

In other words, I have three IRA accounts right now. If I want to start withdrawing next year (age 58), should I choose one of these accounts to do this and leave the others untouched until 59 1/2? >>

For the purposes of Section 72t SEPPs prior to age 59 1/2, you may treat each separate IRA individually. You may take SEPP from one and leave the rest alone. You may start with one, and add another later from which you take SEPP under a different method. All that's required is once you start from any particular IRA, the method used for that IRA may not change and you must continue SEPP for the longer of five years or until you reach age 59 1/2. The required withdrawal period also runs separately for each IRA used. Start one IRA at age 52 using the life expectancy method, and you must continue to take withdrawals from that IRA under that method until you reach age 59 1/2. Start withdrawals from a second IRA at age 56 using the annuity method, and you must continue taking withdrawals from that IRA using that method until age 61.

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