re: Inherited IRA Question

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I didn’t get the impression that there was any commingled IRA funds with Mom’s IRA

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Agreed. But I always like to point that out because...

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That’s hard to do with a competent custodian

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You would think. But I've seen it several times. And every time, the custodian says, "oh, we didn't know".

Usually it's a name issue. For example, Slackster Sr dies, leaves IRA to Slackster Jr. When Slackster Jr dies, he leaves his IRA, and the remaining balance of Slackster Sr IRA, to Slackster III.

Slackster III doesn't understand and just tells hiw own custodian, which is not the same as the other two, hey, I need to roll these two IRAs into one for simplicity, and custodian doesn't pay attention to name differences (and sometimes... the registration doesn't even indciate Sr or Jr)

The far worse issue I've only seen once was that the successor beneficiary tried to do a 60 day rollover out of both inherited accounts into their own IRA, and because it was just a check, the custodian didn't pay attention to the source.

Oh, you can't do a 60 day rollover on an inherited IRA, so that's a taxable distribution. Fun times...