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Transferring Retirement Accounts to New Owners

The information on this page shows how some of the more common types of retirement accounts would change over to new owners upon the death of an account owner. Note that not all account types may be represented.

IRA with a valid named beneficiary

Account assets transfer to the named individual(s) or entity.

Documentation needed:
Photocopy of death certificate

 

IRA without a valid named beneficiary, if the account owner passed away on or after 9-24-10

a) Account assets transfer to the surviving spouse (first).

Documentation needed:
Photocopy of death certificate

b) Account assets transfer to the surviving children (second).

Probated estate

Documentation needed:

Forms to complete:

Non-probated estate

Documentation needed:

  • Photocopy of death certificate
  • Photocopy of each surviving child's birth certificate

Forms to complete:

 

c) Account assets transfer to the estate (third).

Probated estate

Documentation needed:

Forms to complete:

Non-probated estate

Documentation needed:

Forms to complete:

 

IRA without a valid named beneficiary, if the account owner passed away before 9-24-10

Account assets transfer to the estate.

Probated estate

Documentation needed:

Forms to complete:

Non-probated estate

Documentation needed:

Forms to complete:

 

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