Is 45 female great health and 46 male great health too old to conceive a child we want to is it better to do IVF and have multiples inplanted?

Low chances. Pregnancy rates in women over 45 years of age are low. (the male age is less of an issue). Ivf will not give you a great chance of conceiving either. Only 9.1% of women over the age of 42 conceived with ivf in 2011 in the United States. I would recommend evaluation with a reproductive endocrinologist immediately to review your options and see if you are a candidate for therapy.
See obstetrician. If you have not gone through menapause, you are not too old to conceive. At your age, your pregnancy would be considered high risk, so consult a high risk OB. Good luck.