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.. What if the IRA beneficiary reads " pursuant to the terms of my will"?
(The will also contains credit shelter trust arrangement).
That way, the spouse can decline/waive the IRA and the IRA becomes an asset to fund the trust.?...


Be very careful about not naming individuals(like a your estate or trust) as the beneficiary.

The problem is that (as least as of a few years ago) trusts cannot own IRA's so if it isn't done exactly right the IRA might have to be liquidated to go to the trust which could generate a lot of taxes. There may be ways work around this now but even if you do it right today, the laws may be different decades from now when you die and it could backfire.

Greg
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