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My husband and I (late fifties, retired) have rolled over six IRAs into Roths (each account worth only $2-3,000) and have made the individual beneficiaries of them our individual grandchildren (all ages 5 and under) so as to give the Roth accounts as much longevity as possible. However, these are outside our individual estate trusts and will be subject to estate taxes as I understand it. Here is the dilemma: if we make our trusts the beneficiaries of the Roths, we will lose the longevity of the Roth accounts which would greatly benefit our grandchildren over the extended period of their lives. (Our children will be the beneficiaries of our estate trusts.) Can anyone give us guidance on which is the better move?
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