StockGoddess:<<<"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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