Minor beneficiary

Can a minor be a IRA beneficiary without an IRA Trust created for that minor?



Yes.
IRA agreements defer to state laws with respect to who is the legal financial guardian of a minor entitled to receive IRA RMDs or other distributions. This may include the custodian of an UTMA/UGMA account which is a form of trust or a Special Needs Trust if child is disabled, but a formal trust is not an absolute requirement.



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