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Thanks for the comments.
As we have been further educated in the details of this IRA, a new wrinkle became apparent. Her father had started withdrawals from the IRA based on a fixed term of 15 years, at which time he expected the IRA to be emptied (term certain was the phrase used I think). The initial 5 year pay out I noted in the original note was based on the remaining years of this original pay out cycle. The CPA who set the terms of the IRA originally has advised the trustee that pay out to the beneficiaries is fixed by this original plan, and we don't have option of life-time distribution based on my wifes life time, although I guess complete pay out this year is still an option.

Although it seems the course of this IRA is set, does anyone know if the beneficiary has any flexibility in changing the payout plan?
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