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The portability election is free, the deadline is real, and the unfiled 706 is the most common — and most expensive — omission a reviewer finds in surviving-spouse files.
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Educational commentary only. Not legal, tax, or investment advice, and not an opinion on any specific matter. Socrates Crayon operates as an analysis engine — not a law firm, not a registered investment adviser, and not affiliated with any securities firm. Consult your own qualified professional before acting.