Glad I cam back to look at this.

I'm not sure I am. From the beginning this thread has driven me crazy since I'm still not sure exactly what the timeline is and what type of account(s) we're talking about.

Here's what I think I've pieced together.

Someone other than your spouse had a traditional IRA that named you as a beneficiary.

That person died. You've never said when, but I'm now thinking maybe in 2012?

Your share of that account wound up in an account titled in your name with no reference that it's any type of IRA.

It appears that your initial question might have been "What are the tax implications for me?"

Please either confirm or correct my scenario, including the information about when the original owner died. And please, please, please, do not use the term "retirement account."

If we can nail down exactly what happened we can say what the tax implications, and possible options, are.

Phil
Rule Your Retirement Home Fool