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Hi Dennis - Thank you for contacting LegalZoom. Typically speaking, your IRA handles its own distribution and is not covered by a Last Will. However, you may wish to speak to your account holder directly about how these funds are handled after your passing. Feel free to contact our Estate Planning Team by calling (1-800-773-0888, 6am-7pm PST, M-F) or send us an email (firstname.lastname@example.org) if we can be of futher assistance.