I've heard conflicting information that relates to IRA's and Living Trusts. Should an IRA beneficiary be the trust or a specific person. I've heard that the distribution upon death is factored using the life expectancy's of the primary and secondary beneficiary and will be taxed over a longer period of time. If the Trust is the beneficiary, there is no life expectency, so the distribution is made in lump sum and taxed all at once. Which is the best way to go?
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