The IRA owner wanted language for minor beneficiaries attached to the beneficiary form indicating that the inherited IRA custodianship will end at age 25. The IRA owner is in California where the maximum UTMA age is 25. Per several phone calls to Schwab, they said that IRAs are not governed by state UTMA or UGMA laws. They are governed by Federal law and the maximum minor age is 18. At 18 the IRA custodianship ends. Is this correct? Are there any solutions?