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The Ultimate Retirement Machine. September 20, 2016. IRAs are designed to plan for retirement and they are great estate planning tool. This is why appointing beneficiaries is an important step in account establishment. A great deal of thought should go into designating the right beneficiary for your IRA. Due to the complicated rules and potential tax consequences associated with inheriting an IRA. To learn more about IRA required minimum distributions and the options available to beneficiaries. Not every...