Praise then darkness, and creation unfinished

I thought that all the money had been transferred from my mother's IRA account at BNY to my account at Fidelity at the end of December.

Last week, I got a message from Fidelity saying that a transfer couldn't be completed, and BNY needed to talk to me. That message was _exactly_ the same as the one I got in November, so I wasn't even sure this was a real thing rather than a glitch.

After several days of wrestling with phone trees and leaving messages with my advisor at Fidelity, I tried BNY again this afternoon. That wound up being a long phone call, including a long time on hold while the person I was talking to looked things up.

What he was able to tell me is that there is some amount of money greater than zero still in my mother's name at BNY, possibly capital gains on the money they had already transferred. The person I was talking to said he couldn't tell me how much, but that based on this call, I could have Fidelity call BNY and tell them to transfer this money.

But that would be too simple: Fidelity said they would need a current statement on the account. So, back to BNY, whose system is set up to provide information to people with accounts they can log into. The available workaround is for them to send me a request form, and for me to attach a copy of my mother's death certificate, and my driver's license, and then I should have it in 1-5 business days.

In the meantime, I have emailed my brother, who told me that any amount of money still in Mom's name in 2026 would complicate things for him as executor. (I was pleased to be able to email him on December 30 and tell him that the transfer had finally been completed.)

tl;dr still waiting for things

The latest on that inherited IRA is that I got two email messages from Fidelity today, one saying that I needed to do something [unspecified] to transfer the money from BNY, and one saying specifically that BNY had told Fidelity that they, BNY, needed to talk to me.

So, I called BNY, and after various annoyances with their phone tree, talked to someone. He told me that they had no record yet of receiving the form I sent by next-day mail, but that if the form had arrived late Wednesday they might not be scanned until late today or even Monday. Also that once the form is scanned into the BNY system, it may take a few days before they actually transfer the money into my name, which would be necessary in order to move it to Fidelity.

So, I can (and probably will) call Monday to check that the form was in fact been received, but he thinks I should call later in the week, maybe Wednesday, maybe as late as Friday, and ask for my brand-new account number. Once I have that number, I have to fill out appropriate paperwork with Fidelity. *sigh*

I am both annoyed that even paying for next-day delivery, this is taking several days, and thinking that if I hadn’t paid for faster delivery I would be a few days further behind.

The man also said that once the funds are transferred, they will send me an acknowledgement by mail, including the new account number. However, waiting for that to arrive (rather than getting the information by phone) does not seem prudent, given the IRS deadline for the 2025 required minimum distribution.

Cattitude and I got up at 5:45 so he could pill Kaja, preparatory to her dental surgery. Both the pilling and the medical care went well, and she is on soft food only for 10-14 days. Therefore Molly is too, and we have to give them different treats than the usual dental Greenies. (Kaja will also be getting anti-inflammatories for a couple of days, and gabapentin for five.)

I got email from my brother about Mom's estate. He has done the necessary formwork so Vanguard can give us the money from her account there, where we are co-beneficiaries. His share is already in his account existing account. I tried setting an account up online, which apparently failed at the last minute, so I called and got a helpful person to walk me through the process again, step by step. I had gotten far enough earlier to create security questions, including some that I can actually remember my answers to, and haven't used repeatedly elsewhere. Separately, I need to talk to someone at Amalgamated Bank about the account there, a joint account with both our names on it. I hope they'll let me, as co-owner, close the account and transfer the money elsewhere, rather than sending them a copy of the death certificate, getting the account just in my name, and then closing it.

Mark also said he's thinking of going to London next month to sort through Mom's belongings, photos, and paperwork. So he wants to know whether I'm going as well, and if so, what dates worth for me. (Putting this here so I'm less likely to forget to talk to Cattitude and Adrian and then write back to Mark.)