After a married IRA owner passes away, does the surviving spouse need to create another IRA Trust?

what-happens-to-the-ira-after-ira-owner-passes-awayQ: After the first spouse dies, does the surviving spouse create another IRA Trust for the children or does the deceased spouse’s IRA Trust protect the children?

A: When a surviving spouse inherits the IRA, it becomes her own and the sub-trusts for each of his or her children are to be named as the beneficiaries of the surviving spouse’s IRA.  The deceased spouse’s IRA Trust and IRA are no longer considered any further since the wife is the primary beneficiary and the IRA owner has passed away.

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