IRA Beneficiary

As I understand it, if they are the 100% primary beneficiary, there is no issue. It's when they are 50/50 with a regular person that the person's stretch option may be affected. That aside, the answer is 'yes'. Also, leaving the IRA to a trust can turn into a mess, too many opportunities for things to go wrong. JOE

Thanks for the response. I asked (and just confirmed that you were, as usual, correct) because a major 401k in my area just told a client they could not name charities as beneficiary. My guess is that this is like some other things in that the IRC allows charitable beneficiaries, but does not mandate that plans recognize them. The solution will be to roll to an IRA who does allow charitable beneficiaries, which will be done today .

-HW "Skip" Weldon Columbia, SC