Answer:
by Randy Carey:
There is a reason it is called an "individual" retirement account. Without a properly executed power of attorney or access through another legal process, only the owner can make withdrawals from the account. It would be no different than a checking account titled to an individual person.
Answer:
by Ken Golliher:
What he said.
As a complete aside, H & W are allowed not required to file a joint income tax return.
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