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BenefitsLink Message Boards > Retirement Plans > Distributions and Loans, Other than QDROs
jane123
Customer wants to use rate higher than IRS rate ( He says 2002-62 is only a guideline). If he insists, can we do his calculation using the higher rate? Is it our responsibility to tell him no or warn him ? We are the Bank Trustee of his IRA.

Thanks in advance for your help
ERISA_kid
As trustee of the IRA, how involved are you in financial planning for the IRA owner? I work for an IRA custodian and we do not get involved in the suitability of the actual SEPP calculation. We rely on clients' representations regarding the suitability of the SEPP calculation and we enforce the distribution schedules required by Code Section 72(t)(4).
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