3 Key Planning Opportunities for Large IRAs  

How to Help Reduce Taxes and Build a Lasting Legacy  

You’ve worked hard to build your wealth, but is your IRA truly working for you? As IRA balances grow, so do potential tax liabilities—and without a thoughtful plan, a significant portion of your savings could end up going to the IRS instead of your family. 

This free guide highlights three key strategies designed to help high-balance IRA owners protect more of what they’ve earned and use it to create meaningful impact for generations to come. 

Inside the Guide, You’ll Learn: 

• How partial Roth conversions can help reduce future required minimum distributions (RMDs) and create long-term tax flexibility. 

• How life insurance as a Roth alternative can turn potential tax exposure into tax-free growth and legacy benefits for heirs. 

• How charitable trusts (CRUTs) can extend IRA distributions for heirs while supporting philanthropic goals. 
• When to consider each approach based on your income, liquidity, and estate planning priorities.

Why It Matters 

Large IRAs come with complex tax challenges, but also unique planning opportunities. With the right strategy, you can: 

• Help minimize the impact of future taxes on your retirement savings. 

• Align your IRA with your broader financial and estate goals.

• Turn what would have been taxes into opportunities for your family or favorite causes.  

Fill out the form below to download your free guide!