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If my spouse & I each contribute $2000 to a Roth IRA and one dies, I assume the money goes directly to the "beneficiary." The question I have is: how is this influenced by tax laws. Will the beneficiary loose a significant amount of this money due to taxes? Is there no way to have joint account IRA's so that the money stays with the other individual rather than be paid out to a beneficiary?

Thanks for your help with this.

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