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[quote=Anonymous]I am sorry for your loss OP. Answering this question requires knowing the state you are in, the approximate amounts of the accounts, the approximate amount of your mothers estate, and the likely future values of your siblings estates. It also requires knowing if the account is an IRA or an ordinary account. It might be possible for your siblings to refuse inheritance of one third of their share of the account. I suggest you consult an attorney. If you have not transferred the assets, you should try to not do so until you have a plan.[/quote]
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