I AM AN INSURANCE AGENT HAVE AN IRA OVER 70 1/2 TAKING RMD DESIRE TO SET UP A DONER ADVISED FUND AT DEATH PAY A SPECIFIED $ AMOUNT(NOT A %) OF IRA TO DONNER ADVISED FUND . CUSTODIAN SAYS CAN USE % ONLY. CAN I SAY A % NOT TO EXCEED A SPECIFIED AMT. CUSTODIAN SUGGEST HAVING A TRUST AS BENE AND HAVE TRUST PAY TO DONNER ADVISED FUND. DOES THAT DESTROY THE ABILITY TO USE THE STRECH FOR BALANCE OF FUNDS IN THE TRUST? ANY OTHER PROBLEMS USING THE TRUST AS BENE. THANK YOU