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Do You Need A Trust? Hi, I'm Christine Benz for Morningstar. Who you name as a beneficiary for your IRA is an important and surprisingly complicated decision.
Ed, thank you so much for being here. Great to be here. Let's start with this important topic of IRA owners who want to name beneficiaries for their accounts. I'd like to see if you can offer some tips for them. Let's start with one of the most common situations: When is this appropriate, generally speaking? That's what most people want to do. They name their spouse on everything. So, you're right; that's what most people do. So, are there [instances] when you would not do this, when this wouldn't be a good idea?
When you don't want to leave the money to your spouse. It might sound funny, but let's say it's a second marriage. You've already provided maybe some other income to that spouse, and you want your children from your first marriage to get your IRA so they can stretch it. So, there are situations. It's not all about taxes. But you're right--most times, it's the spouse. But also, you might have a spouse who's incapacitated or can't handle money, and you could still leave it to that spouse, say, through a trust.
We'll talk about trusts in a minute. But first, I wanted to get your sense of what the benefits are for spouses who inherit IRAs. What are the key advantages from a tax standpoint as well as inheriting those assets? Well, I always say the spouse, according to the tax rules, is like the queen in a chess match; she or he can pretty much do anything and has advantages that other nonspouse beneficiaries don't have.
The biggest one is the ability to do a spousal rollover, where, let's say, the husband dies and the wife can just roll it over to her own IRA or retitle it as her own IRA. That's a big advantage because, let's say, the spouse [who is inheriting the IRA is] only 65 years old. A spouse also has the ability to remain as a beneficiary; she can go both ways--either do a spousal rollover, treating it as her own, or if she wants to, she can remain a beneficiary.