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dMertz: I totally agree, it is my brokerage that is saying because the IRA was not transferred to me until the year after Mom's death that I have to use Mom's life expectancy for 2024, then they say, years 2025 and going forward, I should use my life expectancy.   When the first rep in the IRA department told me this, I asked to be transferred to another rep for a second opinion and the second rep told me the same thing.