In doing research for estate planning discussions, with a baby on the way, I might soon reach a limit where I can process no more new information for a while as the baby is fed, changed, bathed, etc. But the potential benefits of stretching Roth IRA RMDs over the baby’s life expectancy are too rich to ignore. But given the potential time conflicts, can a simply-worded will suffice, where the will instructs the executor to hire competent lawyers and/or other advisors first, before determining if – at all – a trust is needed? Perhaps in this way, for now, I can avoid having to figure out conduit trusts versus accumulation trusts for a Roth IRA, multiple other trusts for other assets, and so on (including if a trust would even be needed if the child beneficiary happens to be old enough/mature enough to handle the RMDs on his own when I pass)? And then, if laws change or new best practices are published, I’m not somehow locked into a less-advantageous plan but without the time to keep up with the best practices or without the funds to make constant tweaks?