[moovova]

It almost sounds like the IRA owners should pull their funds out of there IRAs prior to death, take the tax hit at their lower rate as non-earners...THEN pass the funds on to their kids.

[farming pharmer]

It almost sounds like the IRA owners should pull their funds out of there IRAs prior to death, take the tax hit at their lower rate as non-earners...THEN pass the funds on to their kids.

Having busted my ass to save a substantial amount in my 403(b), this is exactly what I plan to do.

Additionally, the practice of 'bracketing' when I get to 60 years old and beyond is a good strategy.

[trebb]

I imagine the amounts and other circumstances would make a difference in how to bets handle it...I’m gonna get with “my guy” (longtime personal friend who is in the business) and see what changes we need to make.