Originally Posted by WilliamG
Titled in name of deceased FBO the two beneficiaries.
That is the way it is titled now, but I remain interested in knowing what the beneficiary designation was on the original paper work. That is/was the determining factor in how it was to be handled, along with any specifications of any trust linked to the estate.
So, was it "to the estate" or were both of your names on the beneficiary name line?
Just seems to me it could have been split into two back in 2000, provided both of your names were on the beneficiary name line. Perhaps the bank or holding company missed a step but they often do not do anything without direction from a beneficiary.
Here it says, " If the IRA is not split into two, then....". Meaning it probably could have been split. Just don't know if it can still be split after all these years but may be worth a try.
Inheriting an IRA - Bogleheads