As benefactors are the ones who select their own beneficiaries, they are the only ones who can “order” an IRA to be split among siblings. In fact, beneficiary designations on IRA even trump ...

I split my IRA evenly into two accounts so I can leave a separate IRA to each of my two sons. But Vanguard, my IRA custodian, sent me a letter stating that, as of mid-September, I have to use the ...