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Then there is also the matter of estate planning on which, after my demise, it will be a lot easier for my heir to access his inheritance if it is in a cash acccount rather than tied up in a 401k or IRA.

I really appreciated the ability to get part of Dad's estate as an inherited IRA. The tax deferral was lovely. Most of my siblings had no problem telling the company holding the IRAs to liquidate and send cash. It was slightly easier than what I had to do to keep it as an IRA, but only slightly, and now I only pay taxes on the RMD which is required the first year I had the account, but based on my age, not Dad's.

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