IRA Distributions to Spouse
I asked what is the best way to manage my IRA distributions so they are distributed to my wife upon my end of plan? We have a 5 year age difference and I am planning EOP for myself/her at 94/96 respectively. Based on the Total Income report, distributions end when I pass. I have selected the married option.
The answer was that "Wife should inherit the balances of your IRA and other retirement accounts"
How can I confirm that my IRA funds are being used to support her after I pass? The Total Income report reflects my retirement funds cease upon my death. The total income assets reflected for my wife after I pass are essentially equal to our pension and social security income. The total income for this period drops to about a third of that when I'm alive, probably driven by estate skewing of -45% to negate calculated life insurance demand.
Appreciate your help understanding how to understand this perceived gap.