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Keep deceased husband’s IRA intact; lose broker (access required)

DEAR MR. BERKO: My 70-year-old husband recently passed away, and I am the beneficiary of a $623,000 individual retirement account (statement enclosed), but I don't know anything about stocks. The broker wants me to sell all the stocks and put the money in an immediate annuity policy that will pay me an income of $37,400 ...

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