How does an Eligible Designated Beneficiary elect the stretch IRA option for RMDs? In this example a sibling in their 50s inherited an IRA from a sibling who died prior to the RBD (post Secure Act) and was a couple years older than the surviving sibling. I understand the EDB can select the 10 year or the stretch IRA. If they choose the 10 year option, there are no distributions required until year 10, is that correct? Also, if they do decide to do the stretch IRA option, how to they formally “elect” to do that option? Would they just need to be sure to start taking distributions at least in the amount of their RMD in the year after the IRA owner died? I’m assuming if the EDB waits a couple years to take distributions in the amount of their RMD then that means they have chosen the 10 year option and cannot do the stretch at that time. Is that the right way to understand this? Thanks.