What are my Stretch IRA distributions?

By naming a beneficiary on your IRA account it will provide the beneficiary the opportunity to "stretch" out the IRA proceeds over his/her life expectancy. This gives the beneficiary more time to take advantage of tax-deferral status of the IRA assets. Use this calculator to provide a hypothetical projection of the required minimum distributions for you and your beneficiary. Please keep in mind that distributions will be subject to any applicable federal and state income taxes.
Personal Information
Client Name  
Advisor Name  
Your Information
Month Day Year
What is your date of birth?
Let the system calculate your actuarial life?  
If "No", what is your hypothetical age at death? help
What was the year-end balance of your account last year? ($)  
What is the anticipated rate of return? help
First Beneficiary
Month Day Year
What is the beneficiary's date of birth?
Is your spouse the beneficiary?  
If "Yes", let the system calculate your spouse's actuarial life?  
If "No", what is the spouse's hypothetical age at death? help
Second Beneficiary (Required if spouse is the First Beneficiary)
Month Day Year
What is the beneficiary's date of birth?

This information may help you analyze your financial needs. It is based on information and assumptions provided by you regarding your goals, expectations and financial situation. The calculations do not infer that the company assumes any fiduciary duties. The calculations provided should not be construed as financial, legal or tax advice. In addition, such information should not be relied upon as the only source of information. This information is supplied from sources we believe to be reliable but we cannot guarantee its accuracy. Hypothetical illustrations may provide historical or current performance information. Past performance does not guarantee nor indicate future results.

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