The US Supreme Court has ruled that an inherited IRA is not protected from creditors (Clark v Rameker). If you want to protect your beneficiaries against loss to the bad guys, you will want to consider naming a special retirement trust as the beneficiary of your IRA.
More important than the taxation issue, the reason to name the Legal Line IRA Shield Trust as beneficiary of your retirement account is to provide personal protections (creditor and even divorce protection) for your beneficiaries.
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