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My mother in law passed last month. She named my wife as the primary beneficiary on two retirement accounts but the will says to split 50-50 with sister in law. No probate.

What are the mechanics involved?

One account is after tax, one is pre tax, each valued around 30K. Ideally we would like the holder (Prudential) to split both into accounts for wife and SIL, 15K each. Or does my wife have to take custody of the funds first, then disperse to SIL using gifting? Our tax bracket is higher than SIL's.

All three parties in different states: MIL-NJ, SIL-CA, wife (and I) CO.

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