How Should a IRA & Roth IRA Be Handled
IRAs can remain in a personal name. Even if the IRA is within the trust's name it will incur early withdrawal fees. If one still desires to place the IRA in the trust's name, just ask the IRA management to change the name on the account to that of the trust’s - realize this will trigger a taxable event in most cases.
NOTE: Transfer may not be possible with certain things, such as: life insurance (except as a beneficiary), IRA (can but not suggested), SSI (can receive payments as representative payee but has no benefit compared to redeeming in lawful money), retirement benefits (varies based on company and terms) and others,