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No. of Recommendations: 4
It seems to me that people tend to forget a couple of things about IRAs.

1. The I stands for individual - no implication at all about inheritability.
2. It's not all the individual's money. A portion of it belongs to the government as taxes that have been deferred.

The inheritance rule of 5 or 10 years to unwind it seems generous to me. The inheritor acquires the asset value but the tax situation is not inherited. Their particular tax situation should apply to their inheritance as they gain it. Or conversely, the IRA could be unwound at the individual's death and be taxed according to estate tax rules.
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