Also, to directly answer your question:Can it be in an IRA and still be in several accounts that you can move money around in? If so, what is the most economical way to do this?That is also a yes (as implied in my 1st reply) and I haven't found it that difficult to do. For instance I set up a "Gift" IRA to a charity instead of setting them up as a beneficiary percentage (on advice from an Estate Planning lawyer).
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