Greg and Phil-Thank you both for the clarification. Two of the beneficiaries are on opposite sides of the issue (one wants all monies NOW, the other is a long-term planning kind of guy) with me, the middle child, as usual, caught in the middle.It seems that we can all get together, split the IRA into 3 inherited IRAs, then basically do as we each please with our own account going forward.One last issue - we will each have to name beneficiaries on our inherited IRAs - will this work the same way for our beneficiaries, or is there a limit as to how far an inherited IRA can stretch?Thanks again!Tina
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