asked

I am an 85-year-old widower in Michigan with no dependents. My wife recently passed away, and I have a revocable family trust with retirement funds (401K, 403B) valued over $500,000. I want to designate my 2 children and 4 grandchildren as beneficiaries with specific percentages (40%, 40%, 5%, 5%, 5%, 5%). Should I make my trust the primary beneficiary, or should I make my heirs the primary beneficiaries to avoid higher taxes?

November 21st, 2024

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