There are many reasons why all this happened that I see no reason to go into, plus I stayed out of it completely in order to keep my wife happy. Usually the best course. I'm aware of, but not familiar with, a process through which IRA beneficiaries can "disclaim" their interests, so maybe that's what they cooked up. So now we're back to your wife as a beneficiary of an inherited IRA, and as I said before, my recollection on what happens after the widder dies is full distribution within 5 years.PhilRule Your Retirement Home Fool
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