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Shalomaha brings up an interesting question.

My DW will turn 70.5 on December 9, 2011. Reading the Schwab info that is addressed to her, they state, "You must schedule your RMD no later than December 1, 2011, to allow adequate time for us to complete your RMD by December 31, 2011." Sounds like a pretty tight schedule for her. (Since I'm six months older I don't have a problem like that.
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