Retirement tax questions

You need to consult, in-person, with an estate planning attorney.

 

See https://www.avvo.com/estate-planning-lawyer.html

 

Trust income tax rates are highly compressed and, therefore, the top marginal bracket is reached very quickly.

 

Regardless, what you want is something on the order of a trust with spendthrift and asset protection features and, although the laws are generally similar from state to state, they do vary slightly. As a result, you should retain local tax/estate planning counsel.