A: Assuming this is not a blended marriage (with children of a spouse’s prior one) or other situation where husband would want to limit the wife’s ability to change secondary beneficiaries, then simply name the wife, individually and outright, as primary beneficiary. She can then take advantage of rollover benefits and make the beneficiary of her rollover IRA, the subshare trusts of her own IRA Trust (typically created as a “mirror image” of husband’s trust), at same time his was established.
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