Has anyone already figured out what the divisors are for each age if a couple takes the option of the owner taking recalc and the spouse taking term certain? If you have, I would like it for ages 71/70 and for 70/69. I started to calculate it out but I want to have a check. Also I ran into a problem after about 16 years where I couldn't find anything in a IRS table. The publication 590 does not have a nice table to look at for this combo of recalc and term certain, which appears to be the best one to take. Appreciate any help.
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