@rshaf1 who was the beneficiary of the IRA? (I am not asking who was the beneficiary of the estate).
If the beneficiary of the IRA was the estate, then the 5 year rule applies. Sweet and simple. The estate should have been taking distributions as the beneficiary since 2018. Did the trustee do that? Since 5 years has gone by, the IRA should have been liquidated.
if the estate was the beneficiary, the the remaining life table doesn't come into play because the estate is not a human.....
It is very important to distinquish between the beneficiary of the IRA and the beneficiary of the estate. if individuals were named beneficiaries of the IRA, then the IRA would have passed outside the will and therefore outside of the estate. Totally different set of rules if that is what occured.
