RMD tables - can I pick which one?

Hi

Here is a new one for me.

Having a discussion with a broker about which table to use for a DC plan RMD calculation. I never heard of this before.

Age difference between the 2 spouses is 20 years.

The broker wants to use uniform versus J&S table.

If uniform, the RMD is 10,000, if J&S table, RMD is 7,000 (making up numbers)

Q1: Can the table be optional?

Q2: Assuming not optional, should not the excess 3,000 distribution be subject to in-service and 20% withholding rules?

Q3: Plan normal form is lump sum and no spousal consent is required for distributions but still, need to complete a distribution election form for the extra 3,000 distribution?

Q4: none of the above as they can choose between the 2 table and either number is ok under RMD rules???

Any other questions I am not thinking of/not asking?

Any comments are appreciated.

Thanks

Ask him to show you the regs that says it is optional.

Anything other than $7000 in your example is a random number chosen by someone; the excess over $7000 is not an RMD and subject to all normal distribution rules (e.g. 20% WH).

I totally agree but wanted to check if I was missing anything as usual