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Schwab wouldn’t base a response on future possibilities. More likely, the situation Schwab is addressing is for a sole SPOUSAL beneficiary as that is the only situation for which that response would be correct. The 1.0 reduction is referred to a “non recalculation” and the table reentry for sole spousal beneficiaries is called “recalculation” by the industry. Schwab indicates reevalution which to me equates to recalculation.
Fidelity and the IRS are saying the same thing in different ways. Your 2019 divisor should be 43.4, 2018 should have been 44.4. Hasn’t Nationwide admitted to this error yet?