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This is hypothetical (and a ways in the future), but I like to plan for every eventuality to make sure we're covered.

My husband is 7 years older than I am. I am hoping that we can retire when he's 55 (I will be 48). If he's doing a SEPP (receiving partial payments for 8 years) and he dies, what happens to his IRA? I know I am the benificiary, but will I have to wait until I am 59 1/2 to touch that money?

Obviously, if that's the case, I will either need to start SEPPing my IRA, or we will need to have enough in non-tax-deferred accounts to cover that (and if we had that much in non-tax-deferred accounts he wouldn't need to SEPP anyhow).

Someone please shed some light on this?

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