IRAs can remain in a personal name. An IRA under the trust's name will still 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 be, but not suggested), SSI (can receive payments as representative payee, but has no benefit when compared to redeeming in lawful money), retirement benefits (benefits and detriments vary based on company and individual terms), and others.