I am just looking for a bit of guidance. My mother passed away in October and my sister and I have inherited her IRA, split equally between us both. Some of her funds are “retirement” and others are classified as “non-retirement.” My situation is this: about 15 years ago my mother purchased some mutual fund shares for me in this account and has been sitting on them since. Long story short: they are my funds and my sister doesn’t take issue with this, but because we have to distribute at 50% to each of us per the terms of her trust (using pass-through to set up individual accounts rather than keeping the trust as the beneficiary), I just cannot figure a way to take control over these funds. They equal 10% of the total assets in moms accounts, so I was thinking my sister could be at 45% and me at 55% when we submit the applications to the custodian, but I don’t want to cause an issue since it conflicts with the trust stipulation of 50/50. The trust, by the way, was written in 95, long before she purchased these funds. Is there a fix for this that I am overlooking or do my sister and I just need to make alternate arrangements outside of the IRA if we want to resolve this? I need to overnight the applications to them in the next day or 2 so we can still take the year-of-death RMD, and this is the one last area I am hung up on. Thank you!