I am looking for guidance on the following the situation

Let’s say a client names a trust as an IRA beneficiary. The trust qualifies as a “look-through” trust. There are two beneficiaries Individual “A” and Charity “Z”.

Does the September 30th Designation Date apply? Meaning…if the charity withdraws their portion of the account on or before 9/30 of the year after the year of death is the stretch option available for Individual “A”? In other words do the same rules apply to look-through trusts as if the beneficiary form named Individual “A” and Charity “Z” (without a trust)?

I appreciate any help

Thank you.