@dmertz
Thank you for your response to my question.
To make sure I understand it completely, I'm required to take a distribution beginning this year based on Table I of IRS Pub 590-B. For my age that works out to just over 6% of the 12/31/2021 balance.
Alternatively, I can choose to use the 10-year rule, which just requires the distributions to be complete 10 years after my mother's death (preferably withdrawn in roughly equal amounts each year to avoid a large taxable income bump in 2031).
Is this right - it's my choice?
