This is sort of off-thread in relation to the specifics of this post, but as a trust officer I have had a couple of times when naming a trust as the IRA bene was the best thing to do. Specifically, when a surviving spouse has already done a spousal rollover, and is leaving the IRA to multiple children, but one of the kids is in a "bad" marriage (and living in a community property state) -- the grantor/accountholder is extremely concerned that the adult child's spouse not be able to access a wad of cash, either now or later. The trustee collects the IRA distributions, passes them through the trust to the bene. Only the trustee can elect to accelerate the distributions from the IRA. The trustee also has discretion over principal distributions. There is flexibility, should the trust beneficiary really need to have more income or principal distributions, but otherwise both the IRA and the trust corpus are protected in case of a divorce or death of the beneficiary.
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