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Outline
of One of Jim's Seminars
IRAs
and Qualified Plans: Long-Term Planning Solutions
James Lange, JD, CPA
Spending
Retirement Assets and IRAs
Don't pay taxes now, pay taxes later.
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Quantify
why it is usually better to spend income and “after tax” assets
before retirement “pre-tax” (IRA) assets
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New
minimum required distribution rules and the uniform table at
age 70 ½
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Quantify
the benefits of “stretching an IRA” both during and after the
IRA owners life
Estate Planning –Stretch and Disclaim
Optimal
planning for small and medium sized IRA owners ($250,000-$2,000,000)
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Examine
“stretching” the IRA for up to three generations
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Best
estate tax saving ideas
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Advantages
and disadvantages of different trusts as beneficiaries of IRAs
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Benefits
of “disclaimer” planning
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The
ideal beneficiary designation of an IRA
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The
Estate Planning Homerun—Provide the ultimate flexibility for
the surviving, spouse while preserving the stretch (as cited
by Jane Bryant Quinn, Kiplinger, Financial Planning, etc)
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Sources
for more information
The
Ticking Income Tax Bomb
Specific Advice for Financial Planners
If time allows
Roth
IRAs and Roth IRA conversions
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Objective
peer reviewed analysis of a Roth IRA contributions and conversions
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Who,
when, and how much clients should convert to Roth IRAs
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Quantify
the advantage of a Roth IRA to a beneficiary
Accumulating Retirement Assets
(Can
be included in the program for less advanced groups)
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The
long-term benefits/advantages of contributing to a retirement
plan quantified and contrasted with equivalent savings in the
after tax environment
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Increases
in retirement plan and Roth IRA contributions limits
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