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But does this have other consequences that I'm not taking into account?

not an expert but pretty sure there should be no problem ..

(*i* found the RMD rules for Mom's IRA to be confusing might get them a copy of Pub.590

withdrawals will be taxed as ordinary income

you might consider converting some or all to Roth to eliminate tax and RMD issues )

mostly just wanted to say --sorry about your DW ..i think i recall you mentioning this a couple years ago ..hoped it was something she'd get over.

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