How To Take Your Required Minimum Distribution & NOT Pay Federal Income Tax. (Part 2)

In part 1 of this series of posts, we talked about how to complete a Qualified Charitable Distribution (or QCD as we ‘in the biz’ like to call it) from your Traditional or Rollover IRA and what it (the QCD) is along with its potential benefits. After distributing the article, I got some feedback from a few of the readers. One of them said: “that’s a great idea and all, but what if the IRA owner wants to give some money to a charity, AND he/she also wants to leave as much to their kids as possible?” After pondering that for a minute or two I realized he had a good point. I didn’t really think of that concern as I was writing it.

So, let’s talk about that.

If you want to utilize a QCD, but also want to make sure your kids inherit as much of your IRA as possible, I’ve got an idea for you. Life insurance! Exciting, isn’t it? Seriously, is there anything on the planet more boring than insurance? Yeah, actually there is. Insurance continuing education. Trust me on this.

If you think about it, essentially this strategy lets you tell Uncle Sam to pound sand not once, but twice! You generally get an income tax break on your required minimum distribution. Then, you normally get your life insurance death benefit proceeds federal income tax free as well.  Damn I’m good.

Although life insurance’s primary reason for existence is income replacement in case an income earning individual passes away and leaves behind one or more dependents, you can use it to accomplish other goals.  Let’s say you’re the breadwinner of the family and You’re making $125,000/yr in gross income. You’ve got a $200,000 mortgage and 3 kids you want to put through college. How are you going to accomplish all those things if you’re pushing up daisies?  Therefore, not working? (Those two things usually go hand in hand). If you had a $700,000 life insurance policy that would help, wouldn’t it? (Hint: the answer is yes.)

While that’s a primary use for life insurance one can also do other things with it. It can be used as an effective estate planning tool, for example. You could use the prospectus as a door stop on a windy day. Or you could use it to make sure your kids inherit a certain sum of money while using a QCD each year to draw down your IRA. (That’s called ‘connecting the dots by the way.’ It takes a seasoned financial author with years of experience to pull that off so beautifully.)

I don’t want to bog you down with a bunch of details here, but there are a few benefits to this approach:

  • When a child inherits a Traditional IRA, said child will be required to take annual required minimum distributions themselves, which are generally taxable. An inherited IRA withdrawal might even bump the beneficiary of said IRA into a higher tax bracket. Life insurance death benefit proceeds are typically income tax free! A large, unexpected tax bill can be like a wet blanket on an inheritance.
  • Upon inheriting an IRA, a beneficial child will most likely want to rebalance/reinvest/liquidate the investments inside the IRA to fit said child’s investment goals, time horizon, and desired risk. This may generate commissions or fee(s). Life insurance death benefit proceeds come in the form of cash. No selling or rebalancing needed. No commission(s) or trading costs. The beneficiary can do whatever they wish with the cash. Hopefully something smart.

So, there you have it folks. Part 2. Brought to you because of reader feedback which I greatly appreciate. Sometimes I wonder if anyone actually reads this stuff.

Ok, that’s it. I’m done.

This information is not intended to be a substitute for specific individualized tax advice. We suggest that you discuss your specific tax issues with a qualified tax advisor. Other specific rules may apply as laws may change. Consult a professional before making any decisions regarding gifting required minimum distributions.

This material contains only general descriptions and is not a solicitation to sell any insurance product or security. Guarantees are based on the claims paying ability of the issuing company. If you need more information or would like personal advice you should consult an insurance professional. You may also visit your state’s insurance department for more information.

3 thoughts on “How To Take Your Required Minimum Distribution & NOT Pay Federal Income Tax. (Part 2)”

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  192. Apple already consists of Rhapsody as an application, which is a exceptional start off, nonetheless it is presently hampered as a result of the incapacity in the direction of retail outlet regionally upon your iPod, and incorporates a dismal 64kbps bit value. If this variations, then it will fairly negate this benefit for the Zune, but the Ten songs per thirty day period will still be a massive plus within Zune Pass’ like.

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  234. If you’re even now on the fence: seize your preferred earphones, head down towards a Most straightforward Acquire and inquire towards plug them into a Zune then an iPod and look at which just one appears much better to your self, and which interface creates oneself smile added. Then you can expect to comprehend which is specifically for by yourself.

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  244. Apple already contains Rhapsody as an application, which is a superior commence, still it is presently hampered through the incapability toward retail store locally on your iPod, and has a dismal 64kbps bit cost. If this alterations, then it will fairly negate this convenience for the Zune, nevertheless the 10 new music for every month will continue to be a large plus within just Zune Pass’ favor.

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  250. Zune and iPod: Utmost persons look at the Zune in the direction of the Contact, however right after viewing how skinny and amazingly minimal and light-weight it is, I just take it in the direction of be a rather exclusive hybrid that brings together features of equally the Touch and the Nano. It really is Pretty vibrant and gorgeous OLED screen is slightly smaller than the touch screen, yet the player by itself feels quite a bit lesser and lighter. It weighs more than 2/3 as considerably, and is appreciably lesser within just width and height, even though staying only a hair thicker.

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  257. This is getting to be a bit extra subjective, nonetheless I considerably prefer the Zune Market place. The interface is colorful, incorporates more flair, and some interesting options such as ‘Mixview’ that enable on your own suddenly view similar albums, music, or other buyers identical in direction of what you’re listening toward. Clicking upon just one of those will heart upon that solution, and yet another preset of “neighbors” will arrive into view, making it possible for your self in the direction of navigate close to looking into via comparable artists, new music, or buyers. Talking of buyers, the Zune “Social” is far too great enjoyable, enabling by yourself obtain other people with shared preferences and getting buddies with them. Yourself then can pay attention towards a playlist produced primarily based on an amalgamation of what all your good friends are listening toward, which is additionally exciting. Those people concerned with privateness will be relieved in direction of notice on your own can avoid the community against watching your unique listening behaviors if by yourself hence select.

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  264. The refreshing Zune browser is surprisingly optimistic, still not as positive as the iPod’s. It operates well, nonetheless isn’t as immediate as Safari, and consists of a clunkier interface. If yourself once in a while method upon using the world wide web browser which is not an issue, but if you’re creating in the direction of examine the internet alot in opposition to your PMP then the iPod’s much larger screen and better browser may possibly be significant.

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  266. This is turning into a bit far more subjective, still I considerably desire the Zune Market. The interface is colorful, has added flair, and some neat attributes such as ‘Mixview’ that allow on your own suddenly watch comparable albums, songs, or other consumers identical towards what you might be listening towards. Clicking upon just one of those will center on that solution, and one more set of “neighbors” will arrive into look at, allowing by yourself toward navigate in close proximity to exploring by way of comparable artists, audio, or consumers. Chatting of people, the Zune “Social” is on top of that very good entertaining, allowing by yourself find others with shared preferences and getting to be friends with them. On your own then can pay attention to a playlist produced based on an amalgamation of what all your mates are listening towards, which is also exciting. All those fearful with privateness will be relieved to notice you can stay away from the public towards looking at your person listening behavior if on your own consequently consider.

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  273. Between me and my husband we’ve owned further MP3 gamers above the a long time than I can count, such as Sansas, iRivers, iPods (classic & touch), the Ibiza Rhapsody, etcetera. But, the past handful of a long time I have resolved down towards 1 line of gamers. Why? For the reason that I was delighted toward discover how well-designed and enjoyment in the direction of employ the service of the underappreciated (and broadly mocked) Zunes are.

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  275. Zune and iPod: Highest people today examine the Zune to the Touch, however just after observing how slim and shockingly low and mild it is, I test it to be a instead unique hybrid that brings together features of either the Touch and the Nano. It really is extremely vibrant and gorgeous OLED screen is marginally smaller than the contact screen, however the participant by itself feels relatively a bit lesser and lighter. It weighs more than 2/3 as a lot, and is drastically smaller within width and peak, despite the fact that becoming accurately a hair thicker.

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  283. The clean Zune browser is astonishingly favourable, but not as positive as the iPod’s. It performs very well, nonetheless just isn’t as prompt as Safari, and incorporates a clunkier interface. If by yourself occasionally system on utilizing the internet browser that’s not an issue, still if you’re planning towards study the website alot in opposition to your PMP then the iPod’s more substantial show and far better browser may perhaps be considerable.

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  286. Apple at present incorporates Rhapsody as an app, which is a excellent get started, nonetheless it is currently hampered by the inability in the direction of retail store locally upon your iPod, and has a dismal 64kbps bit price. If this improvements, then it will somewhat negate this comfort for the Zune, nevertheless the 10 audio for every thirty day period will nonetheless be a huge in addition in just Zune Pass’ choose.

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  350. The new Zune browser is amazingly very good, yet not as very good as the iPod’s. It works perfectly, nonetheless is not as instant as Safari, and contains a clunkier interface. If by yourself once in a while system upon having the internet browser that is not an issue, still if you are coming up with toward go through the website alot against your PMP then the iPod’s greater display and greater browser might be significant.

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  471. Apple now has Rhapsody as an app, which is a great start, but it is currently hampered by the inability to store locally on your iPod, and has a dismal 64kbps bit rate. If this changes, then it will somewhat negate this advantage for the Zune, but the 10 songs per month will still be a big plus in Zune Pass’ favor.

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