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?? BMO InvestorLine Platform Review: Unveiling Its Strengths and WeaknessesWhat are my options in terms of naming beneficiaries of my Individual Retirement Accounts (IRAs)/retirement accounts since I used those accounts for legacy. An IRA CD is an individual retirement account where your money is in a certificate of deposit for a set term. CD terms usually range from three months to BMO Investorline is a more attractive option now since they stopped charging commissions to buy the Vanguard and IShares asset allocation ETFs.