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I am about to inherit a Traditional IRA and Roth IRA from my mother. I wanted to park these funds with Alliant Credit Union. From what I understand I will have to set up a totally separate inherited IRA account. I also understand it is important that this be a Trustee to Trustee transfer especially for the Traditonal IRA.

My question to the board...has anyone had any experience they can share about Trustee to Trustee transfers with Alliant Credit Union either when Alliant was on the receiving or disbursing end of the transfer. Did Alliant seem to have their act together? Did it go thru smoothly?

I don't currently have a ROTH IRA so I guess I will also be looking at setting one up with again a Trustee to Trustee transfer. I presume you can set these accounts up with no balances so you can give instructions to the individual handling my mom's estate to transfer the funds into account number XXX even though it has a zero balance.

Thanks for any input.
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