Owner is 70

Assume RMDs taking place at time of death

Assume adult daughter is in good health and stable

Assume 1/2 half of account goes outright to the other daughter

Can an IRA Owner designate as beneficiary 1/2 of account to charitable gift annuity for Adult Daughter

If so does the 5 or 10 year rule apply to the CGA or does this make a new “stretch”?

Is there IRD if this is possible from the CGA designation to the estate of the IRA Owner?

Is naming a CRT a better solution?