Advanced Trusts

In our last post, we covered how a see-through trust can be named as your IRA’s beneficiary without blowing up the account’s distribution treatment. That post gets a follow-up question fairly often, usually from a client who has done the math on the SECURE Act’s 10-year rule and started thinking about a workaround: if my…

There is a persistent misconception in estate planning that you cannot — or should not — name a trust as the beneficiary of your IRA or 401(k). You have probably heard some version of it: “IRAs can’t go into a trust.” “Naming a trust will blow up the distribution rules.” “Just name your kids directly.”…