By Edwin P. Morrow III Edwin P. Morrow III is a regional trust and estate consultant for Key Private Bank. Opinions expressed herein are those of the author and not Key Private Bank. Experienced estate planning practitiooner know that the “stretch” IRA promise is often deceptive without using a trust. Beneficiaries receiving retirement plan assets outright can and do withdraw more than the minimum required distribution (MRD), if not the entire amount. Trusts are necessary to keep larger funds in...