Has anyone had experience in addressing a brokered CD deposit survivor option when the brokered deposits at issue were investments in an IRA account at a major brokerage? What if the IRA has only multiple charitable beneficiaries and the number of brokered deposits is significant? It seems implausible that multiple charitable beneficiaries would join in exercise of a survivor option involving a number of brokered CDs. Does this issue suggest that brokered deposits are not an appropriate investment for an IRA in a rising interest rate environment when the “value” of the brokered CDs will decline. Clearly, CDs issued by a bank of credit union would pay off the CDs at par plus accrued interest following the death of the account holder. No publication I have located has suggested that brokered deposits in an IRA entails risk in a rising interest rate environment. To the contrary, there appears unanimous consensus that CDs (whether brokered or directly issued by a bank or credit union) are a risk free investment. Is that really the case in the context of a brokered deposit when the IRA account holder dies prior to maturity of all such CDs, at least when multiple charitable beneficiaries are involved. For the record, designating charitable beneficiaries in an IRA is also regarded as a viable estate and income tax planning strategy. Thank you