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The default rule is that all funds must b out withing five years after the year of death; the "Stretch" is the exception, and it requires commencing the RMDs by the end of the first year after the year of death. What percentgage actually do so?

Good question. In my anecdotal experience, the major of clients I have in that situation do - but not all of them (problem less than half) continue to take ONLY the RMD after they start.

I encourage most to take the RMD and offset it with an increase in their 401k or TIRA and most will start doing that but the discipline to do it for decades appears to be lacking for most benes I have worked with. It seems the more affluent, the more responsible (shocker right?) the bene tends to be.
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