Trust is 100% primary beneficiary of a Trad IRA which clearly names 3 human bene’s within Trust document. The IRA owner passed away this year at age 68.

One beneficiary of the Trust is within 10 years of age of deceased IRA owner. My understanding is since the trust is beneficiary although each beneficiary now has their inherited portion of IRA under their control the RMD calculation next year (2025) is still based on the oldest beneficiaries divisor over the 10 year pay window.

Verifying that I didn’t miss a regulation/rule that allows each beneficiaries age to be used for RMD or if the beneficiary within 10 years of age can be considered a EDB in this situation?

Had the 3 humans been named as primary beneficiaries seems this would be allowed but since the Trust was primary and see thru breakout is more of a convenience to each beneficiary they all must use oldest DOB to calculate RMD’s over next 10 years?