I did have my own IRA with Vanguard at that time. I chose to move it to an inherited IRA as this would give me the opportunity to take withdrawals if I decided to retire a little early. If I didn't take withdrawals by the time I turned 59 1/2 i would transfer to my IRA so RMD withdrawals would be based on my age, not hers.. She was a few years older. I did not take any withdrawals.
I guess the red flag for me was one brokerage says it would generate a 1099-R and 5498 where the other brokerage, which I already executed this transaction, told me I would just receive the 5498.
