Angelina is 51 years old. Her husband dies and leaves her his IRA which has a balance of $895,000. Angelina does not have a great deal of income following her husband's death; she will need a source of income until she turns age 60 and her own retirement pension begins giving her monthly payments. Which approach should Angelina take with her husband's IRA so that she has the income she needs in the short term while minimizing the effect(s) of taxes and penalties? Treat herself as the beneficiary of her husband's IRA Disclaim the IRA Change the name on the IRA to her own name Treat the IRA as her own