Planned Giving

Retirement Plan Strategy

MORE TO YOUR FAMILY, HELP IHTAF AND DISINHERIT THE IRS

Q: How can I avoid the potential 70%-80% taxation (depending on the size of the estate), on my IRA, 401(k) profit sharing plan due to IRD (income in respect of decedent) and estate taxes?

A: By naming It Happened To Alexa Foundation as beneficiary of your IRA, 401(k), or profit sharing after you and your spouse pass away, the tax is zero. You would then establish a wealth replacement life insurance trust in conjunction with this strategy naming family members as beneficiary of the trust. You select an amount that you desire your children or grandchildren receive. This money goes both income and estate tax free if the trust is structured properly.

Example: $1,000,000 IRA, 401(k) or Profit Sharing

Your Plan ..............................IHTAF Plan
Children $250,000 .....................$1,000,000
IHTAF $0 ................................$1,000,000
IRS $750,000 ...........................$ 0

Which Plan Do Your Prefer?

I have an interest in this retirement plan strategy

Contact Information ________________________________

Name ____________________________________________

Street Address _____________________________________

City _____________________ State _____ Zip __________

Email ________________ Daytime phone # _____________

This is for example purpose only. Your situation will depend upon your personal facts and circumstances and you should consult your tax advisor.

Who to contact: Dalton J. Raymond, National Director of Planned Giving.

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