PosFCF: "The owner claims his reason for not making the beneficiaries of the annuities his children and grandchildren is that his understanding that the RMD would be guided by the oldest beneficiary, but I thought this was changed so that each beneficiary can make their own determination."I am not a resident pro, nor do I know the answers to your questions, but the statement did not make sense to me because I believe that using a qualfied trust does not lead to a different result than naming the individuals.Regards, JAFO
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