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i take it from the above that you understand that you have RMD because your parent was older than 70.5

.. *i* found that to be a pain in the bookkeeping ...

i think i'm right that you have the option of emptying the account over 5yrs. (hope that helps)

The requirement to take an MRD has nothing to do with the age of the parent though the method for calculating it does.

There shouldn't be any problem with the "bookkeeping" as it's a simple calculation done once a year. Most IRA custodians will do the calculation for you.

The 5 year option is always there.

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