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No. of Recommendations: 4
Aside from the technical points AJ made, I have an issue with this:

Any other split will result in the 'heirs' having INDIVIDUAL retirement accounts which they will have to quickly spend down to ZERO.

Not spend, but withdraw. I can be a picky SOB about wording, but I don't see this as being picky. While the beneficiary might spend any or all of it, and in the case of a traditional IRA they at least have to cover the taxes, investing rather than spending should always be a consideration. This is, after all the Retirement Investing board.
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