What if you want to leave one IRA to charity and one to your kids or one to your kids from your first marriage and one to your current spouse?

FORBES: Is it time to move your IRA?

The way forward from U.S. News is to sort out your likely Social Security income, any pensions due to you or a spouse, then subtract that from your current cost of living.

FORBES: Making Resolutions? This One Matters

If your kids are grown, your spouse may have to beg them for help to maintain his or her current lifestyle.

FORBES: Magazine Article