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Here s what to know. Non-spouses with flexibility If the beneficiary is the minor child of the deceased person, the 10-year depletion rule kicks in once they reach the age of majority where they live. In most states, that s age 18. Before reaching that point, though, the child would have to take annual required minimum distributions, or RMDs as they re known, based on their own life expectancy. (Those required withdrawals typically kick in for retirement savers at age 72 or 70½ if reached before 2020 based on the account owner s expected lifespan.) So if you have a 10-year-old who takes RMDs, they d do that until age 18 when they d flip to the 10-year rule, said Brian Ellenbecker, a certified financial planner with Shakespeare Wealth Management in Pewaukee, Wisconsin.

United statesBrian ellenbeckerPeggy shermanPersonal financeShakespeare wealth managementBriaud financial advisorsCollege stationShakespeare wealthஒன்றுபட்டது மாநிலங்களில்பெக்கி ஷெர்மன்தனிப்பட்ட நிதிஷேக்ஸ்பியர் செல்வம் மேலாண்மைகல்லூரி நிலையம்ஷேக்ஸ்பியர் செல்வம்