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In effect, that gives them the option of taking the money all at once or over their or the oldest child's life expectancy. The latter depends on whether they are joint beneficiaries or not. If joint, then they will be able to take distributions based only on the life expectancy of the oldest child.

As a surviving spouse I have a rollover IRA & a small IRA. Can I combine them? Do I then split the IRAs between my two daughters so they can take distributions based on each of their life expectancies? I wonder if that would be almost impossible as securities would have to be transferred evenly to each account. If you are single is recalculation the best method for MRD?. I still have a few years to decide before I have to withdraw. I have printed out all of your wonderful information, thank you so much.


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