My husband has an annuity that he has not rolled into an IRA. If I inherit this annuity, does it work the same as if he had an IRA? Can I roll the funds into my IRA. We are both retired and are in our early 80s. – Carol No, you wouldn't be able to roll your husband's annuity into your IRA. Depending on the type of annuity, there are situations where this could be allowed due to your relationship, but not in the situation you are describing. A financial advisor can help you manage your retirement assets an ...