Can IRAs be held jointly by spouses?

Marriage / Divorce, IRAs, Retirement Plans
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Retirement accounts cannot be held jointly.

All retirement accounts, such as an IRA, Roth IRA, 401(k), 403(b), etc., are owned by a single person and must be registered to a natural person (not an entity).

It is common for spouses to be the primary beneficiary on each other’s retirement accounts or pension benefits. In fact, some states require spousal consent if you wish to name someone other than your spouse as the primary beneficiary for a retirement account.

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