<prompt> Human: My father passed away a few months ago. My siblings and I were informed that he had a small Roth IRA set up with a family friend of his who is a financial planner through Ameriprise and we are the beneficiaries. We received paper work stating that we had to open up our own Roth IRAs with Ameriprise in order for our portions to be deposited into. I talked with a CPA friend of mine and he said that we were allowed to have the amount owed to us delivered via check rather than having to open new accounts with Ameriprise. I talked with the family friend and he said that we have to set up the accounts for each of us in order for this to happen. So basically my question is who is right, do I have to set up a Roth IRA with Ameriprise or can I take the lump sum via check?x200B;I should add that Im not opposed to having a Roth IRA , I just dont want one right now and not through the family friend. Thanks  <response>: The reason Ameriprise is requiring a new Roth is for the paper trail to prove that the decedents Roth assets transferred to an inherited Roth IRA. Once the transfer is complete into your name your free to cash out or continue the account. 