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Retirement Planning
Chapter 17: Qualified Plan & IRA Distributions & Beneficiaries/SEE-THROUGH TRUST: EXHIBIT 17.7
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Chapter 17: Qualified Plan & IRA Distributions & Beneficiaries

SEE-THROUGH TRUST: EXHIBIT 17.7

01.Core Concepts

• RMD rules look through the trust to view the beneficiary as the retirement plan beneficiary, if the following rules are met: 1. The trust must be valid under state law. 2. The trust is irrevocable or will by its terms, become irrevocable upon the death of the participant or IRA owner. 3. The beneficiaries of the trust are identifiable. 4. A copy of the trust documents (or a list of beneficiaries and a description their terms of entitlement) must be provided to the qualified plan administrator by October 31 of the year immediately following the year in which the participant died.