Answer:
No, 99% of the time it is best for a spouse to treat an IRA they inherit from their spouse as their own, with 3 exceptions – 2 of them are temporary: 1) FDIC, 2) spouse beneficiary is under age 59.5 and may need to access penalty free money until age 59.5, or 3) spouse beneficiary is older than deceased spouse and wants to postpone RMDs until deceased spouse would have been 70.5.
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