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When it comes time for estate planning, most individuals and couples will be very interested in knowing what their choices are, including the concept of asset protection for retirement plan funds for children, grandchildren, nieces, and nephews, and others. This is especially so since inherited IR As are generally not protected from the claims of beneficiary creditors. The naysayers will tout the compressed and daunting 37% tax rate on trust income (and who can blame them?), and for beneficiaries that are non-exempt under the 2020 Secure Act, the ominous 10-year rule for complete depletion and taxation of the inherited IRA funds. But it will behoove clients to look under the imaginary hood prior to running as fast as they can away from the “IRA to further trust concept, including the beneficiary deemed owner trust.