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Hi folks,
My mother passed away in November and I need some input on options for distribution of 5 IRA accounts she had. She died at age 69 which I believe is before the required beginning date for disbursements to begin. Both my sister and I are named as equal beneficiaries on all the accounts. I did read through some of materials on this subject from this site, but am still not completely clear on my options.

Both my sister and I would prefer to not take any disbursement at all. But that dosen't seem to be an option.

From what I understand there is basically two options.
1. Distribute under the 5 year rule.

2. Distribute using the oldest primary beneficiary's life expectancy. That would be me and I am 39 years old. Apparently there is some table that gives a value for life expectancy based on your age etc. Anybody know where I can locate this?

Any other advice on this issue????

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