How and Why a multigenerational IRA “Stretches”

by. Michael Tove Ph.D., CEP, RFC. The terms “Multigenerational IRA” and “Stretch IRA” refer to a manipulation of tax code which permits a non-spouse beneficiary to change the applicable schedule of Required Minimum Distributions (RMDs) from the life expectancy of the owner to that of the beneficiary. ................
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