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@RobertB4444 My situation is a bit different.  I believe that RMD's weren't taken for the last few years of his life.  So that is what has me concerned about the 50% tax. How do I find out how much to take?  Can you direct me to someone who is a "tax professional"? I want to know what to do with this money to minimize any tax liability for me. 

Thank you very much for your time and assistance!! 🙂