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An IRA can't be put into a trust anyway, and given the spousal rollover option, the recommendation is to name the spouse as primary beneficiary and the trust as contingent.

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.

I have no idea if such language is legal, but it isn't necessary. An IRA passes outside of probate, but not outside of the Estate. The named beneficiary can still disclaim the IRA which would return it to the Estate where it could be used to fund a trust established under the decedent's will.

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