Your old IRA accounts list your ex-spouse as primary beneficiary because you never removed his or her name.

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If you have a nondeductible IRA, you (or your IRA heirs) will need all the old 8606 "nondeductible IRA" forms, as well as page one from all the 1040s in the years you contributed, to prove that part of any IRApayout isn't taxable.

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This would hit people who saved in Roth IRAs or just plain old saving (not IRA or 401k).

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