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Should I place my tax-deferred retirement accounts into the trust?

retirement nest makeup

 
Generally, it's best to use beneficiary designations for IRAs and other tax-deferred accounts. This can allow survivors to keep at least some of those assets as tax-deferred for a longer time than if those accounts are distributed with other trust assets. However, it's a good idea for the trust to be named as a contingent beneficiary after the other beneficiaries, to keep those accounts from being part of your estate and, therefore, subject to probate.