If you are diagnosed with hypersomnia, your doctor can prescribe various drugs to treat it, including stimulants, antidepressants, as well as several newer medications (for example, Provigil and Xyrem).
You may have your 2015 RMD made payable directly to the charity (provided it meets the IRS definition of a qualified charity), and then designate it as a qualified charitable distribution on your tax return. You'll have satisfied your distribution requirement, and you won't have to pay income taxes on that money.
A trust created on death is currently taxed at the same rate as an individual while other trusts are taxed at the highest marginal individual rate of tax (from 39% to 54.8%, depending on the province in which the trust is taxed). trust created on death is currently taxed at the same rate as an individual while other trusts are taxed at the highest marginal individual rate of tax (from 39% to 54.8%, depending on the province in which the trust is taxed).