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If the Church retirement was set up well, a man benefit of the funds being left in their retirement fund is that they might still qualify for the housing exemption and be non-taxable. Their are rules that go along with it, but I would definitely follow up with the Church retirement fund administrators to see if they designate the distributions as housing allowance. If so it would be limited by the lesser of fmv and actual expenses.

After all, to offset the benefit of taking tax-free distributions, the rate of return difference between that account and whatever you would roll it over too would have to be fairly large.
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