Question on beneficiaries

Can you tell me if there is a difference between making the Beneficiary a Trust, vs. 3 individuals?

Some background -- The Trust names the 3 individuals (all adults) as the beneficiaries. Is it "easier" to just make the 3 individuals the Beneficiaries, instead of making the Trust the beneficiary (and it will eventually just go to the same 3 individuals)? Are there any tax implications either way?

Most of our financial accounts are already in the Trust, EXCEPT for a few checking accounts and savings accounts, and IRAs, and Roth IRAs.

Is there a preferred way (tax-wise) to set up the beneficiaries for these accounts?

Thanks!