I want to have a Traditional IRA with charities as beneficiaries, separate from the one that has human beneficiaries. That will hopefully eliminate any risk of a 5-year withdrawal forced for the human beneficiaries. They will both be at the same custodian, Vanguard. Language about direct transfers for IRAs usually means between custodians. I want to be able to transfer money between the IRAs perhaps twice a year or quarterly for rebalancing, but am concerned those may be considered rollovers and limited to one per 12-month period, even though money never comes directly to me. Is there a link that clarifies these as being direct transfers as well?

Thank you in advance for your help.