No. of Recommendations: 1

<<<"Does this mean that I die, and my wife is the beneficiary to my IRA, that she has to take a total distribution within 5 years?">>>

"That was the point. Your wife has to move the money into her own "inheritance IRA" or ELSE she'll have to take a full distribution."

No, that was not the point. The wife (any spouse) can move the inherited IRA to their own IRA, it does not need to remain an inheritied IRA!

Regards, JAFO
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