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<<<In addition to all the other problems, it very well may not actually reduce the total taxes paid over the years. The problem is that that the heirs(like your kids) will loose years of tax deferred growth with-in the inherited IRA and the eventually the grandkids could inherit the IRA that was not withdrawn through RMD’s, then the great-grandkids could inherit the IRA, then the great-great-grandkids, etc. and so on.>>>

"Only a spouse can move an inherited IRA to their own name. I don't believe that an inherited IRA can be inherited."

If it cannot be inherited again, then what happens to an inherited IRA when the first non-spouse to inherit dies?

I do not believe that it is forfeit, which seems to be the implication of your post. Perhaps I misunderstood?

Regards, JAFO
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