How Can We Help?
< Back
You are here:
Print

Joint life vs. Uniform table

Posted
Last Updated On
ByJB21

L1: Joint life vs. Uniform table
New Sepp
3/21/64 DOB
9/6/2018 1st dist.
I continue to get greater Sepp amounts when using Joint life vs. Uniform table (e.g. $22,963.90 vs. $ 21,511.01 – Amort. method). Concerned as the site says Uniform will always yields higher sepp’s. Beginning Sepp $ 476,505.66. Please advise. Thanks
2018-08-28 15:10, By: JB21, IP: [165.225.0.103]

L2: Joint life vs. Uniform table
The uniform table is nothing more than the joint table with a beneficiary 10 years younger the the IRA owner.
For any SEPP, using the single life table will always produce the highest distribution amount which is why no one uses the joint tables.
Start with our planning pointers…https://72t.net/72t/Planning/Pointers
Question… where does the site state “site says Uniform will always yields higher sepp’s”
2018-08-28 15:19, By: Gfw, IP: [73.217.141.7]

L3: Joint life vs. Uniform table
my apologies.. i misinterpreted…
When using the calculators start with Single Life tableand the maximum interest rate allowed. If the single life calculations (Use Joint Calculations=No)produce a higher than desired payment,eted ”
2018-08-28 16:19, By: JB12, IP: [165.225.0.103]

L2: Joint life vs. Uniform table
sorry for the daftness here, so i want to answer “no” to joint and uniform and the calculator defaults Single life, correct ?
2018-08-28 16:21, By: JB12, IP: [165.225.0.103]

L3: Joint life vs. Uniform table
Suggest that you click on the yellow/red Help link and your question will be answered.
2018-08-28 16:46, By: Gfw, IP: [73.217.141.7]

L3: Joint life vs. Uniform table
Yes, that is correct. The combination of the single life table and the highest interest rate available produces the max SEPP distribution per dollar of account balance.
2018-08-28 16:46, By: Alan S, IP: [72.24.226.251]

Table of Contents