Thank you for your reply, but it conflicts with the first response. Dmertz wrote that the ten-year rule is based on my wife's year of death, not her mother's (the original owner). You are saying the opposite; that the 10-year period begins when her mother died. That four years difference is pretty significant when developing a plan to withdraw these funds.
I think it's confusing because my mother-in-law died before the SECURE act was passed, so life expectancy tables were used. My wife as beneficiary died after the SECURE act was passed, so now the ten-year rule applies. Are you sure of your answer?
