If you do that it will all become taxable income to you.
To avoid probate and estates, you can name one or more primary or secondary beneficiaries to each IRA and specify the percentage each beneficiary is to receive, then the RMD amounts (or more) would go directly (and be taxable) to the beneficiaries but under the new tax laws must be totally distributed within 10 years.
**Disclaimer: This post is for discussion purposes only and is NOT tax advice. The author takes no responsibility for the accuracy of any information in this post.**
