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Does anyone know of a resource that has more of a "plain English" explanation of what your options are as a beneficary of an IRA when someone passes away?

I've been reading through 590 this morning and my head hurts. :)

What I've managed to glean out of it so far is that
a) it can be transferred to the extent that it is still in the original owners name, FBO the beneficiary in a trustee to trustee transfer.
b) SEPP distributions can then be taken by the beneficiaries using the IRS life expectancy tables.

What's making my head spin is trying to figure out when these distributions have to start, since it seems that a lot hinges on the status of the beneficiaries as of Sep 30 of the following year.

At the moment, I feel like the IRS is making it as complicated as possible to make people say "Forget it, I'll just cash it out & pay the tax"!!

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