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I am asking these questions for my Mom. She will turn 70 in June and has a traditional IRA. She lives in AR.

1) Can she roll the balance of her IRA over once she starts taking distributions?

2) How are distributions taken?

3) How does she determine how much to take? Isn't 4% considered the typical yearly distribution?

4) Is it best to take X amount of money out each year or annuitize it?


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