I am in the process of setting up a Roth IRA account at my new bank. I am a widower and want to ensure that, upon my death, my non-spousal beneficiaries (my three children) will be able to correctly retitle my IRA so that they will receive annual tax-free distributions for their lifetime. I have read that the best retitling wording for this is: “John Doe (deceased xx/xx/xx) Roth IRA, For the Benefit of John Doe, Jr, beneficiary. “ However, my new bank says their inherited Roth retitling wording is: “John Doe, Jr as beneficiary of John Doe.” They will set up a new account for each of my three children and use this wording. Is the bank’s wording sufficient to ensure that my abovementioned goal is met? Thank you.