Need some input from the experts.

Can children “restrict” the use of a spousal IRA if the entirety of an IRA is passed from a husband to a wife at death of the husband, rather than using a trust? IE, is there any specific documentation that would state that in exchange for not using a trust (and thus having more onerous RMD terms than if the IRA were inherited outright), the surviving spouse would be restricted to preserving the beneficiary status of her 3 children? Is there a specific enforceable legal document that the surviving spouse could sign to reassure the kids that they would remain the intended beneficiaries in equal proportions?

Very curious to hear any and all responses.

Thanks in advance.

SR