You can set up a conduit trust, which will identify annual distributions for the intended beneficiary. Post-Setting Every Community Up for Retirement Enhancement (SECURE) Act, most beneficiaries will have to withdraw all funds within a 10-year period. This is true even if you have a trust doling out the funds over time. If your intended beneficiary does not fall into one of the eligible designated beneficiary categories, you should speak with a financial advisor on how to set up a trust to most effectively alleviate your concerns.