Do you need one or two separate IRA Inheritance Trusts®?

do-you-need-one-or-two-separate-IRA-trustsQ: Do you need one or two separate IRA Inheritance Trusts® for a married couple?

A: Yes, both spouses would each receive his or her own IRA Inheritance Trust®, where they would typically name one another as primary beneficiary and the trusts would mirror one another.  The first spouse to die’s IRA would go to the surviving spouse and then the surviving spouse would have any beneficiaries named to receive the IRA in a sub-trust set up for each beneficiary (each with its own EIN), upon the death of the surviving spouse.


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