I have an IRA account holder with a sizeable balance who wants to name her seven children as primary beneficiaries on a per stirpes basis with a provision that if a primary beneficiary predeceases her with no lineal descendents to inherit their share it would then go to charity. Is there any issue with this approach as long as the custodian will accept a customized beneficiary form? Does the inclusion of the charity as the “contingent contingent” jeopardize the 10 year payout?