The person you talked to may have been confused by this applicable rule:
"If the owner died on or after his or her required beginning date (defined earlier), and you are an eligible designated beneficiary, you must base required minimum distribu-tions for years after the year of the owner's death on the longer of:
• Your single life expectancy shown in Table I in Appen-dix B, as determined under Beneficiary an individual later; or
•The owner's life expectancy as determined under Death on or after required beginning date under Bene-ficiary not an individual later."
--
The age used is your age on your birthday in 2024, which may not be your current age.
With that divisor you won't exhaust the IRA in 10 years, so you will have a balloon distribution in 2034.
You may want to take that into consideration when deciding how much to take out each year.
Note: Pub 590B still does not have the latest rulings from the IRS regarding your situation.
