Husband wants Wife to have to survive Husband by 60 days in order for Wife to be the beneficiary of his IRA accounts with Vanguard and Schwab (he has children from a prior marriage, and they have no children together). They are Pennsylvania residents. If his IRA account were … an employee sponsored qualified retirement plan, I think it is clear that he could provide such a survival contingency (i.e. – 60 days) as part of his beneficiary designation form (and I assume all/most qualified plan administrators would recognize it). However, as it is an IRA Account, there seems to be no consistency on how IRA custodians will deal with such a provision. We have been told Vanguard won’t allow such a survival contingency as part of the beneficiary designation, but that Schwab will. Anyone on this board have any experience with this? I guess I could tell Husband to move his IRA account to a custodian that will allow such a designation.