BobKamman
Level 15

I have managed to lose my "toaster people" with multiple IRA's.  These are the people that put $2,000 into whatever bank was offering the best bonus, then never consolidated them into a single account.  And, they took the RMD from each account rather than a combined amount from just one account.  I mention that the franchise down the street charges $25 per document, and that encourages most of them to reform.