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what you are asking about is called an 'IRA stretchout'. It basically works by dividing your IRA into as many accounts as can; with each account having a different beneficiary. Thus if you have joint life expectancies with beneficiaries who are over 10 years younger than you, you use a life expectancy of 26.2 years to calculate the distribution (based on the joint life expectancy of a 70 year old and a 60 year old). When you die the beneficiary uses their much lower age and calulates a new, much longer, life expectancy. So the distributions can be extended for very long periods and the rest is accumulating tax deferred. I hope this gives you a pointer to your question.
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