In Ed’s book “Complete Retirement Road Map” (p. 170), there is a Q&A stating that a less costly, less time consuming way to end a trust (funded w/IRA) is to name the spouse or children contingent beneficiaries. Then they (if they all agree) can have trustee disclaim the IRA funds, that directly would then go to the spouse/children and the trust would be ended. My question: Would this still be an accurate answer if the the trust was the typical bypass trust (isn’t this also called the credit shelter trust?) used in estate planning?