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One way is to use the IRS Pub 590, Annex E Table "-- Life Expectancy Tables and the Table for Determining Applicable Divisor for MDIB (Minimum Distribution Incidental Benefit). These tables are included to assist you in computing your required minimum distribution amount if you have not taken all your assets from all your traditional IRAs before age 70 1/2."

This may be found at It provides a divisor for determining annual withdrawal either based on a sing or joint life expectancy.

Ron W.

I'm currently using this method to draw down on my pre-tax IRAs.
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