Q: If you make a spouse a percentage beneficiary of an IRA and the rest to the IRA Trust subshares, are the beneficiaries still able to use their own life for RMDs or would they have to use the life expectancy of the spouse?
A: Since the spouse is named beneficiary of a portion of the IRA directly on the beneficiary designation form, the spouse is not a beneficiary of the trust and his or her life expectancy would not be considered or used for RMD calculations of other trust beneficiaries.
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