For some individuals, IRAs, Roth IRAs, annuities, and company-sponsored plan assets, such as 401(k)s and defined benefit pension plans, make up the largest portion of their estate.
We help our clients make retirement plan elections, beneficiary designations, and lifetime distributions that integrate properly with the rest of their financial and estate plans. We also counsel clients with "inherited" retirement plan assets about rollover and distribution strategies.
The most recent IRS regulations and rulings on retirement plan distributions offer opportunities to save significant income taxes for those who engage in proper planning. We help our clients optimize those opportunities.