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Passing on Wealth- The Stretch IRA

Getting the Most Out of Your IRA- The Stretch Option!

Your Retirement account will be exposed to substantial taxation in your "Golden Years"! So what can you do to maximize the amount of money you will have for yourselves as income in retirement and still be able to pass on more money afterwards to your heirs while minimizing the effects of needless taxation? Let us help you to:

1.) Reduce the taxes that you are currently paying on your retirement account.
2.) Dramatically increase the amount of money in your retirement income account
so there is more money there when you need it.
3.) Leave 2 to 3 times as much money to your children OR 3 to 4 times as much to your grandchildren.
4.) Keep tax-deferral working to gain the greatest advantage for you.

In order to accomplish these goals there are certain key points that you have to be aware of. The first is to understand the Uniform Distribution Table that applies to you and your spouse as well as the Beneficiary Life Expectancy Table that applies to all non-spousal beneficiaries. Next is to make sure that you do not fall victim to the Dec. 31 effect- a real-life scenario explains this dramatically in the Powerpoint Presentation that follows-be sure to open it up!

Three basic rules that you must follow to maximize your Stretch IRA are:

1.) Make your spouse your primary beneficiary - then RMDs would be based on the spouse's life expectancy when they inherit the IRA.
2.) Watch out for the oldest beneficiary accelerating distributions and increasing taxes because of the Regulations that require distributions based on the shortest life expectancy amongst named beneficiaries. Use the "Separate Accounts Rule" to avoid  dramatically reducing the amount of wealth you hoped you were passing on.
3.) Make sure your RMD (Required Minimum Distribution) is accurate to avoid the 50% PENALTY on top of your regular income taxes!

Please click on the following link for a great Power Point explanation of how this all works- including an example that shows taking $100,000 and having it pay out over $411,000 over 3 generations! (Click back button after viewing to return to this site).

To see even more dramatic results taking the same $100,000 and having it grow to over $449,000 with 34% of that tax-free, click on the following link:

The following PowerPoint presentation is titled "Effective Wealth Transfer Strategies" and it is a really good explanation of how to maximize the transfer of funds from one generation to the following generations most effectively by eliminating risk and taxes on monies that you do not anticpate needing in your lifetime.

Watch the short video below to see how to maximize your Wealth Transfer even when forced to take RMDs because of IRS requirements: Click Here

Click Here to read my recent article featured on the FOX Business Network

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