Wondering if someone can confirm my memory on this: While regular accounts at FDIC and NCUA institutions can have insurance extended beyond the $250k limit by creating an informal trust with beneficiaries, this does not apply to IRA funds, right? There may be other ways to do it, but naming beneficiaries is not one of them, if I'm reading their materials correctly. And Roth and Sep catagories are considered one singular catagory by FDIC and NCUA. Used to know this by heart, but time sometimes muddies remembrances.