IRA owner named his Irrevocable Deed of trust as beneficiary of his IRA. Owner died and for years the RMD properly went to the trust and out to the benificiary. When benificiary of trust reached age 45 and was free to take everything out of the trust, the trustees resigned and had the benificiary sign a release and closed the trust. Clearing firm is saying that with the trust closed the money must be paid out as a lump sum to the benificiary personally and of course this would trigger a huge income tax bill. Any relief?