Home

Money

Stocks

Mutual Funds

Bonds

Retirement

401(k)/403(b)

Research

Clients

America's Fastest Growing Independent Financial Advisory Network
A Nationwide Network of 100% Independent & 100% Objective Fee-Only Financial Advisers

Picture of The-Adviser The-Adviser.com The place to come for answers™
What happens when my spouse dies?
By The-Adviser.com -   

SERVICES
Money Management
Portfolio Reviews
401(k) Rollovers
Retirement

Financial Plans
Estate Plans
College Savings
Clients Only

WHY US
Benefits
Available Services
"Interview Us"
Fee Information
Disclosures
Applications


THE COMPANY
Background
Philosophy
The Press
Policies

Opportunities

LINKS
Home Page

Related Links


Stock Quotes

New York - When your spouse dies - you need to be concerned about what minimum distribution rule you originally selected.

Required distributions are based on two things: the joint life expectancy of the IRA owner and the beneficiary, and the payment method chosen by the IRA owner when he or she turned 70 1/2. There are two payment methods. The first is to recalculate your joint life expectancy every year (the recalculation method). If your spouse dies - the expectancy is then calculated based on your life.

The second (the term certain) requires a joint life expectancy calculation only once. If you joint life expectancy is 20 years today, next year it is 19. 

The term certain method provides no change in the payout schedule for the beneficiary. With the recalculation method, the surveyor must recalculate minimum distributions using a single life expectancy. the result is generally an accelerated distribution schedule.

About Us
The Independent Adviser Corporation is a 100% Independent and 100% Objective Financial Advisory Firm that writes buy-side investment research. Our network of independent Fee-Only Financial Advisers serves individuals, families and businesses. They provide financial planning services, tax advice and offer professionally managed asset accounts. They do not underwrite corporate securities nor do they sell any proprietary products. To find out more or get a FREE consultation Ask The-Adviser.com or call 1-800-ADVISER.

 

In Association with Amazon.com


Minimum Distribution Rules are extremely complex. You should consider consulting with a professional. 


Got an investment question?
Ask The-Adviser.com

Open a professionally managed account:

  • Brokerage Accounts
  • Traditional IRAs
  • Roth IRAs
  • 401(k) IRA Rollovers
  • 403(b) IRA Rollovers
  • College Savings
  • Retirement Savings

Top Ten Investment Picks

Financial Advisory Services
Money Management
Retirement Planning
Portfolio Reviews
401(k) Rollover Assistance
College Savings
Financial Plans

In Association with Amazon.com

You don't need to be rich to hire a Financial Adviser. Just Smart

The Independent Adviser Corporation is a Registered Investment Adviser that specializes in helping individuals, families and businesses develop investment and financial planning strategies.
Click here to learn more about our Fee-Only services

Do you have a question about your investments?
Ask The-Adviser.com

1-800-ADVISER
America's Independent-Adviser.

© Copyright. The Independent Adviser Corporation.  All rights reserved. Important Legal Information