Wealth transfer strategies

Use IRA maximization for tax-advantaged wealth transfer

You can help clients maintain or increase the value of an IRA that's passed to beneficiaries. Here are the four goals-based IRA maximization strategies to consider.

Tax offset

Beneficiaries use death-benefit proceeds to cover the cost of IRA inheritance taxes.

Legacy enhancement

Naming the same beneficiary on a life policy and IRA enhances the inheritance amount.

Spousal Roth IRA

Spouse and heirs benefit with no RMDs, tax-free withdrawals, tax-free transfers.

Tax elimination charitable strategy

Charity receives IRA and beneficiary gets life policy proceeds tax-free.

Mother and daughter secure in the families' future thanks to wealth transfer.

Who is a good fit for wealth transfer?

Clients who have substantial wealth and are not concerned about how they’ll provide for retirement may be good candidates for a wealth transfer strategy. Since their goals may be centered on providing for their beneficiaries long term, they are likely to:

Not need their IRAs for retirement income
Have a greater interest in transferring assets
Want to provide lifetime income for heirs

We’re here for you

We’re ready to help you deliver the protection and security your clients deserve. Reach out to us anytime for questions and support, and we’ll get in touch with you as soon as possible.

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