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Greetings, Tache, and welcome. You wrote:

<<I just read your article. I don't know the meaning of "joint beneficiry". I have the Nolo Press book on this subject (distributions) and it doesn't have anything about it or "hybrid".
Clarification please?>>

Actually, that's probably a piece of sloppy writing on my part. By "joint beneficiary" I'm referring to using the life expectancy of me and the life expectancy of whoever I choose as a beneficiary (i.e., the joint life expectancies of both of us) to calculate minimum required distributions (MRD) at age 70 1/2.

Sorry, but I have no idea why your Nolo Press book doesn't mention the hybrid method. You would have to ask that author why it wasn't included. My guess would be because it is somewhat complicated to explain and to implement. That's why I suggest those who are interested see a qualified tax expert to set up the withdrawal schedule.

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