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reg_h2b
Assume multiple primary bene's (A & b) where an IRA owner dies before RBD.

1. Under the old regs could the bene's make separate MRD elections?

Example, "Bene A" chooses 5 year rule while "Bene B" chooses life expectancy method.

My understanding is that as long as separate accounting is used they could make separate elections. Agree?

2. Is this different under the new regs?
Appleby
Yes to question number 1.

Under the new regulations, each beneficiary may still make separate elections.
reg_h2b
Appleby,
Under new regs if and only if separate accounting is used (as it was the case under old prop. reg Q&A H-2)? Or is it always the case? Do you have a new reg citation?
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