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no help-- sounds exactly like the way
IRA works (estate wise

For estate tax purposes there's no difference between a TOD asset and an IRA. Both are part of the decedent's estate.

Neither is part of estate administration. Armed with the death certificate the beneficiary of a TOD account gets it retitled, and the beneficiary of an IRA chooses from the options aj mentioned earlier. Beneficiaries of employer plans (401(k)'s, etc.) may not have all those options, depending on the plan's rules. (See Pub 575 for those plans.) But in any event the decedent's personal representative never touches the money in her fiduciary capacity.

Rule Your Retirement Home Fool
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