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Thus, you aren’t allowed to generate contributions on the handed down IRA or “roll-over” any quantity. Alternatively, you can even believe installing a trustee-to-trustee import so that you can become treated because the a beneficiary of the passed on IRA, so you won’t have to pay taxation if you don’t begin choosing distributions. Or, you could choose withdraw the money because the a lump sum and you can pay-all of your taxes owed in that year.