Okay, more to the point:
If we have ROTH IRAs with named beneficiaries, such as our children, am I correct that they then take over the ROTHs, rather than inheriting them? Would the ROTHs be excluded from the valuation of the estate? I am aware the or children would have to draw down the ROTHs, tax free, within a ten year period, but wouldn't that avoid the estate having to have a portion of the value taken out for tax?
Thanks
TH666
