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Managing an Individual Retirement Account (IKE) and the death of a spouse

I have marital community of property with my wife. In the event of my death, which funds will she have immediate access to and which will be frozen during the probate process: - funds in my bank account - funds in her bank account - funds in a bank account of which we are co-owners - funds in her Individual Pension Account - funds in my Individual Pension Account ?
I have marital community of property with my wife. In the event of my death, which funds will she have immediate access to and which will be frozen during the probate process: - funds in my bank account - funds in her bank account - funds in a bank account of which we are co-owners - funds in her Individual Pension Account - funds in my Individual Pension Account ?
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