Wills, Trusts & Estates Prof Blog

Editor: Gerry W. Beyer
Texas Tech Univ. School of Law

Tuesday, January 28, 2014

Trusts as IRA Beneficiaries


Naming a trust as a beneficiary of your IRA isn’t a good idea.  It can be complicated and have negative income tax consequences if done improperly.  However, if you are still considering naming a trust as your IRA beneficiary, here are a few considerations:

  • Do you have any good reasons for leaving IRA money to a trust? 
  • Be picky when choosing your trust adviser. 
  • Make sure the trust beneficiaries are actually people. 
  • Consider the benefits of a spousal rollover. 
  • Use separate trusts for multiple beneficiaries.  

See Sheyna Steiner, Naming a Trust as Your IRA Beneficiary, Bankrate, Jan. 2, 2014.

Special thanks to M.D. Anderson (Accountant, AZCLDP, Realtor) for bringing this article to my attention.


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