Our estate plan specifies 50% to the surviving spouse, and a 50% to a trust fund for the kids. What is the best way to remove the kids trust fund of 50% starting with all the regular IRA's before taking the remaining piece from the Roth to complete their fund. The surviving spouse would get most of their share as the house plus the Roth IRAs. The model would then go forward with just the reduced 50% of assets.
You can insert a scheduled withdrawal from the regular IRAs for the year you expect this to happen. It will be taxed, though, unless you make it a charitable contribution, which you can do on the charity page as a QCD. I recently found the actuarial spending strategy which allows for a legacy amount! But I don't think it lets you designated a source for that.
@brantferger608 There's no way to specify that 50% of any account will be removed, but maybe you could model this as an annuity purchase from your tax-deferred account with no pay-out. That way, the funds will be removed with no tax impact.
Stuart
