Reply To: IRA to Trust

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Alan S.

Agree, the plan is dependent on the surviving spouse’s actions with respect to both the inherited IRA and their own remaining IRA.

The portion of the IRA(s) that are left to niece’s trust will be an inherited IRA, and most likely will have to be fully distributed within 10 years of the trust inheriting unless the niece will qualify as an EDB (eligible designated beneficiary) and the trust is qualified for look through.