Special Needs Trust as IRA Beneficiary

Submitted by Janis Sleeter on Wed, 2016-07-20 20:05

My clients are a husband and wife who have set-up a special needs trust for the 27 year old son.
Their IRA’s total about $3 million. The beneficiaries are 50% direct to their daughter and 50% tot the son’s special needs trust.
Could a special needs trust qualify for a stretch at all?



Submitted by Bruce Steiner on Wed, 2016-07-20 20:57

  • The trust for a child with special needs isn’t that different from the trust for a child without special needs.
  • Why don’t they also give the daughter the benefit of having her share come to her in a trust (in her case, one that she can control)?

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