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Today I talked with a retirement specialist? at Fidelity where I have all my brokerage accounts. I have a large Rollover and a smaller Traditional IrA. I asked about combining these two and then splitting them into two equal but separate IRA's with a different daughter named as beneficiary of each. The retirement specialist said I could NOT do that because the IRA's were under my one SSN and based on the same registrations. I told him that TMF said I could do this.

Well, then the retirement specialist said I should find out more about this, and maybe, It is allowable to move part of my Rollover into the Traditional IRA, splitting them that way for each daughter, thereby leaving two individual, but different types of IRAs. But he was not sure about this and said the IRA rules keep changing. Maybe I got him on a bad day.

So now, do I keep my Rollover, moving part to the Traditonal IRA to make up two equal IRA's as he suggested? Since the investments are quite different, it would be difficult for me to equalize the amount on a permanent basis.

Sorry if I have confused you all, but this is ridiculously complicated. And I haven't even gotten into the little contingent beneficiaries of these split IRAs.

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