<prompt> Human: My fiancee and I have a pensions through our employer we work together, but were leaving our jobs in two months. I am rolling my pension contributions - about 5k - into a Target Retirement Fund in a Vanguard traditional IRA. According to Vanguard, she cant roll her pension - about 1k - into my IRA, even if she is a beneficiary. They also said she cant roll her pension into an IRA and then transfer her assets from her IRA into mine.The pension plan clearly states that we will be penalized 20 plus excise tax to take a lump sum payment.So our options for her pension are as follows:1 Take a lump payment and just swallow the roughly 30 penalty and taxes.2 Roll her pension into her own traditional IRA and deal with the confusion of managing two accounts contribute to both equally? contribute to one but not the other?. Wed also have to figure out what to do if her pension is only 950 when she leaves, as that is below the minimum for a Vanguard IRA3 Some other option I cant imagine.Whats our best option here? Side note: After all I read about Vanguard I thought theyd be incredibly well-informed, but I just spent an hour on the phone with them because every basic question was met with a Let me research that for you. and a five-minute hold. Was my call a fluke or are their phone representatives basically clueless on how an IRA works?  <response>: According to Vanguard, she cant roll her pension - about 1k - into my IRA, even if she is a beneficiary.This should be obvious. IRAs are tied to an individual, as are pensions. No one can roll their pension to their spouses IRA without taxes and penalties.Whats our best option here?Roll it to her own IRA. Managing two accounts really isnt that hard. 