I have a client doing a real estate closing where they haven’t sold their house, but they are closing on their new house on Wednesday. I plan to send the funds from the client’s IRA to the title company and the client should sell their home before the 60 days are up, worst case they move funds from their brokerage account. Is it a problem if I send money from my client’s IRA to XYZ Title Company for the closing and then replenish the funds within 60 days? A colleague of mine is concerned the 60-day rollover won’t be allowed because I will be sending the proceeds to a different payee (meaning not the client). Is this going to be an issue if I send the funds directly to the title company or should I send it to his joint brokerage account first and then wire the funds? My understanding is the custodian will issue a 1099-R whether I wire funds to the title company or move it to a brokerage account and as long as I show proof it’s back within 60 days, I’m fine.