If the table you used is the MDIB table, at age 71 you are correct in using the 25.3 factor. This is the table you should use since your spouse is less than ten years younger than you. However you might only be 70 at the end of the year in which you reach 70 and 1/2 in which case you can use 26.2, depends on when your birthday is. Keep planning. gopete
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