Who inherits this IRA after the beneficiary dies? : vimarsan

Who inherits this IRA after the beneficiary dies?


Who inherits this IRA after the beneficiary dies?
Today 5:30 AM
Q. My mother, 93, died on Sept. 1, 2020. She left in her will an IRA account with her three grandsons as beneficiaries. One grandson did not turn 18 until late December and we were advised by the financial institution that it would be better for the other two grandsons to wait until then to withdraw. My son, 47, was one of the beneficiaries and he died on Jan. 12, 2021 and he had not yet done anything with the IRA. A clause in mom’s will stating “the net proceeds of sale of house and other possessions to be divided among 5 children, or to such of them as shall survive me in equal shares per capita and not per stripes.” The financial institution says my son’s third will now be divided between the other two grandsons. Is this correct or should my son’s share go to his wife or children?

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