A Safer Retirement and Environment – What We’re Implementing to Help Keep You Safe: READ MORE

Here at Chadmere Capital Inurance and Financial Services, we are adhering to state and local guidelines in order to protect both the health and safety of clients and staff. Keeping our clients and staff safe is our highest priority and we’re taking all appropriate measures to ensure a safe environment. Should you prefer to not meet face-to-face, we are continuing to serve our clients through virtual settings such as Zoom or phone calls.

We look forward to continuing to help individuals and families achieve their ideal retirements.

Chademere Capital Insurance and Financial Services
(803) 242-1050



By Sarah Brenner, JD
IRA Analyst

When it comes time to calculate your required minimum distribution (RMD) from your IRA, you may wonder which life expectancy table to use. Last updated by the IRS back in 2002, there are three possible tables for IRA owners and beneficiaries, and they can all be found in IRS Publication 590-B.

The three tables are the Uniform Lifetime Table, the Joint Life Expectancy Table, and the Single Life Expectancy Table.

Uniform Lifetime Table

If you are taking RMDs from your IRA during your lifetime, this is most likely going to be your table. This table is used by most IRA owners for figuring lifetime RMDs from their IRAs. The only IRA owners who will not use this table are those whose spouse is their sole beneficiary for the entire year and is more than 10 years younger. Beneficiaries never use this table.

Joint Life Expectancy Table

This table is used much more rarely than the Uniform Lifetime Table. This table is used only for lifetime distributions and only when your spouse is the sole beneficiary of your IRA for the entire year and is more than 10 years younger than you. Beneficiaries never use this table.

Marital status is determined as of January 1st of the year. If your spouse dies during the year and a new beneficiary is named, your deceased spouse will still be considered the sole beneficiary for the entire year, and you will use the Joint Life Expectancy Table for the year of your spouse’s death. However, it will not apply for the following year. Also, if the beneficiary is changed during the year from your spouse to anyone else, for reasons other than death, then the Joint Life Expectancy Table cannot be used.

Single Life Expectancy Table

Are you an IRA beneficiary? If so, then this is your table. This table is used by beneficiaries to compute RMDs on inherited retirement accounts. This table is never used by IRA owners to compute RMDs during their lifetime.

Be sure to use the proper table! Failure to take the correct required minimum distribution from an IRA can lead to significant penalties (i.e. 50% of the amount that was not withdrawn).


Ready To Take



For more information about any of our products and services, schedule a meeting today.

Or give us a call at (803) 242-1050

Investment advisory services offered through Foundations Investment Advisors, LLC (“Foundations”), an SEC registered investment adviser. Nothing on this website constitutes investment, legal or tax advice, nor that any performance data or any recommendation that any particular security, portfolio of securities, transaction, investment or planning strategy is suitable for any specific person. Personal investment advice can only be rendered after the engagement of Foundations, execution of required documentation, and receipt of required disclosures. Investments in securities involve the risk of loss. Any past performance is no guarantee of future results. Advisory services are only offered to clients or prospective clients where Foundations and its advisors are properly licensed or exempted. For more information, please go to https://adviserinfo.sec.gov and search by our firm name or by our CRD #175083.

 ADV Part 2A & Form CRS              Privacy Policy