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<p class="MsoNormal"><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#002060">Off the top of my head, perhaps wife could create a trust and then name the trust as the beneficiary of the IRA. The trust agreement would then lay out the distribution
scheme.<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#002060"><o:p> </o:p></span></p>
<p class="MsoNormal" style="margin-bottom:12.0pt"><b><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#002060">Mark B. Anderson<br>
</span></b><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#002060">ANDERSON LAW FIRM PLLC<br>
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<a href="http://www.mbaesq.com/"><span style="color:#002060">www.mbaesq.com</span></a><b><o:p></o:p></b></span></p>
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<p class="MsoNormal"><b><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">From:</span></b><span style="font-size:11.0pt;font-family:"Calibri",sans-serif"> wsbapt-bounces@lists.wsbarppt.com <wsbapt-bounces@lists.wsbarppt.com>
<b>On Behalf Of </b>Ann Manley<br>
<b>Sent:</b> Thursday, September 4, 2025 9:10 AM<br>
<b>To:</b> WSBA Probate & Trust Listserv <wsbapt@lists.wsbarppt.com><br>
<b>Subject:</b> [WSBAPT] Complicated distribution scheme<o:p></o:p></span></p>
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<p class="MsoNormal" style="margin-bottom:10.0pt">Wife has an IRA with a million dollars. She wants her primary beneficiaries to be her husband (80%), niece 1 or her children if any (10%) and niece 2 or her children if any (10%). If either niece is dead w/
no kids, $ goes to husband.<o:p></o:p></p>
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<p class="MsoNormal" style="margin-bottom:10.0pt">But if husband is deceased, she wants each niece's share to increase to 20%, and have the rest distributed to a list of charities. <o:p></o:p></p>
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<p class="MsoNormal" style="margin-bottom:10.0pt">Can that be done via beneficiary designation, or is there a better way? (Or is the answer for her to come up with a less complicated scheme?)<o:p></o:p></p>
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<p class="MsoNormal" style="margin-bottom:10.0pt">Her financial adviser is saying that she should name her sister as a beneficiary, and then her sister can give money to the nieces and charities. That seems wrong.<o:p></o:p></p>
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<p class="MsoNormal" style="margin-bottom:10.0pt">Thanks!<o:p></o:p></p>
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<p class="MsoNormal" style="margin-bottom:10.0pt"><o:p> </o:p></p>
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<p class="MsoNormal" style="margin-bottom:10.0pt"><span style="font-size:10.0pt;font-family:"Arial",sans-serif">Ann Manley, Esq.</span><o:p></o:p></p>
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<p class="MsoNormal" style="margin-bottom:10.0pt"><span style="font-size:10.0pt;font-family:"Arial",sans-serif">The Manley Law Firm, P.S., Inc.</span><o:p></o:p></p>
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<p class="MsoNormal" style="margin-bottom:10.0pt"><span style="font-size:10.0pt;font-family:"Arial",sans-serif">PO Box 16324</span><o:p></o:p></p>
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<p class="MsoNormal" style="margin-bottom:10.0pt"><span style="font-size:10.0pt;font-family:"Arial",sans-serif">Seattle, WA 98116</span><o:p></o:p></p>
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<p class="MsoNormal" style="margin-bottom:10.0pt"><span style="font-size:10.0pt;font-family:"Arial",sans-serif">(206)292-3064 / (206)292-3914 fax</span><o:p></o:p></p>
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<p class="MsoNormal" style="margin-bottom:10.0pt"><span style="font-size:10.0pt;font-family:"Arial",sans-serif"><a href="http://www.manleyfirm.com" target="_blank">www.manleyfirm.com</a></span><o:p></o:p></p>
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<p><b><i><span style="font-size:10.0pt;font-family:"Arial",sans-serif">The Manley Law Firm practice areas include Bankruptcy*, Estate Planning, Auto Accidents, Civil Litigation, Construction, Commercial and Contract Law, Personal injury, Small Business, Unemployment
Claims, Wage Loss and Compensation claims</span></i></b><o:p></o:p></p>
<p><i><span style="font-size:8.0pt;font-family:"Arial",sans-serif">* The Manley Law Firm is a Debt Relief Agency. We help people file for bankruptcy relief under the Bankruptcy Code.</span></i><o:p></o:p></p>
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