@TerraID - Fidelity's explanation logically wouldn't make sense. Let's say MIL passed 9 years ago and beneficiary passed this year.....that logic would mean the new beneficiary would have to distribute the ENTIRE balance in the next year as 9 of the 10 years were already consumed.
that doesn't make any sense!
(I could site the IRS references that the Fidelity explaination is not supportable if necessary)
your strategy is spot on..... there is otherwise a 'time bomb' awaiting when you are forced to take the RMDs.
one other thing to consider... be mindful of IRMAA, which is an additional medicare premium that is a tax in disguise, that kicks in once you begin Medicare. It is based on your income from two years prior - hence,l be careful in your planning.
good explanation here:
https://thefinancebuff.com/medicare-irmaa-income-brackets.html
