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Found 2 results

  1. Participant died in 2001. Spouse continues the MRDs each year until she dies in 2007. Daughter continues RMDs each year based on the life expectance of the spouse as of the spouse's birthday in the year of death, reduced by one each year. Spouse's single life expectancy in 2007 was 11.4. Therefore, factor for 2018 is 0.4. I am assuming this converts to 1.0. For discussion purposes, account balance at 12/31/2017 was $100,000, and balance as of today is $105,000. My question is, must the daughter close the account in full by 12/31/2018, or can she take the 12/31/2017 balance of $100,000 as the RMD by 12/31/2018, and carry over the earnings each year with continued RMDs on that substantially declining balance?
  2. A U.S. 401(k) participant is married to someone who resides in India. Originally when she filled out the 401(k) beneficiary form she left the money to someone else. Once she was told that she had to get spousal consent to leave him off, she filed a new beneficiary form with the same beneficiary designating herself as single. What are the ramifications of this to the plan sponsor?
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