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You might consider rolling the whole IRA over into a Roth IRA. There would still be the taxes to pay (like if you took it all out all at once) but after that they won't have to worry about withdrawing it unless they really need it. As folks get older, unexpected medical expenses can become an exponentially rising expense and having a Roth IRA earning interest tax free may be just the ticket they need. Hope this helps.

My $0.02 worth
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