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The "trustee" is the custodian who takes charge of the assets and makes sure that you, the "beneficiary", can't touch them. A "trustee-to-trustee transfer" means you moved from Merrill Lynch to Vanguard, not from Mom to Junior.

[If Mom dies and names Junior in her will, though, he gets the *assets* in the Roth free of income tax (estate tax may apply) but they are no longer in a Roth.]
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