I have been told that because my Required Minimum Distribution is calculated as "Joint Life Expectancy (non-spousal beneficiary more than 10 years younger than you)" (namely, my daughter),I cannot cite dual beneficiaries in my will (namely my son and daughter). If this is the case, can anyone advise a way I can still arrange for my son to receive half of my estate? I haven't a clue.A second unrelated problem. I want to take my Year 2000 minimum distribution and transfer it into a non-IRA money fund. I am in TDWaterhouse now. What I am concerned about here is minimizing fees.Any advice and suggestions will be gratefully accepted.Noel.