Q: If I make my 45yr. old son joint on my IRA can I stretch out the required distribution?

A: First off, it is an Individual Retirement Account, there can only be one owner. Your required minimum distributions are based on your age as the owner. The “stretch” provision for withdrawals refers to the required minimum distributions taken by a non-spousal beneficiary. This allows your son to stretch the withdrawals out over his life expectancy when he inherits your IRA.

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