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Should the new account for my Mom be titled as an inherited IRA (Benificary Distribution Account) or just be under my Mom's name? Im not sure if it makes a difference.

Since my Mom is 74 and has limited income (Ive been supporting her)she originally preferred that the distibution go to me (I was listed as a secondary beneficiary) so I could handle the tax side of things. At the time I didn't think that was possible.

However, I was just reading IRS-590(IRA)to get more familiar with IRA's and on page 34 it seems to indicate that a benificiary can disclaim entitlement. Does anyone know if this is possible? Would the current Institution know?

Thank you once again for your time and words.

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