Worry Free Funds for Family

Minimize Taxes for Me and My Family"I like the tax benefits of a Roth IRA conversion for my family, but I don't want to pay the taxes now to convert. My IRA is 'extra' for our retirement, kind of added security to eliminate money worries for my wife and children."

Rodney & Tiffany Riches65 Male 55 Female

Children:39 Male 37 Male 32 Female

$1 million IRA @ 6%$10 million Other Assets

est. Taxes @ 30%

Rodney & Tiffany Riches65 Male 55 Female

Children:39 Male 37 Male 32 Female

$1 million IRA @ 6%$10 million Other Assets

est. Taxes @ 30%

• Not counting on IRA for retirement• Minimize income taxes while providing

wife and family "extra" security• Opposes taxes for Roth IRA conversion

Rodney & Tiffany Riches65 Male 55 Female

Children:39 Male 37 Male 32 Female

$1 million IRA @ 6%$10 million Other Assets

est. Taxes @ 30%

• Not counting on IRA for retirement• Minimize income taxes while providing

wife and family "extra" security• Opposes taxes for Roth IRA conversion

QPDA - Roth IRA Stretch

Rodney & Tiffany Riches65 Male 55 Female

Children:39 Male 37 Male 32 Female

$1 million IRA @ 6%$10 million Other Assets

est. Taxes @ 30%

• Not counting on IRA for retirement• Minimize income taxes while providing

wife and family "extra" security• Opposes taxes for Roth IRA conversion

QPDA - Roth IRA StretchSpouse inherits and converts

Rodney & Tiffany Riches65 Male 55 Female

Children:39 Male 37 Male 32 Female

$1 million IRA @ 6%$10 million Other Assets

est. Taxes @ 30%

• Not counting on IRA for retirement• Minimize income taxes while providing

wife and family "extra" security• Opposes taxes for Roth IRA conversion

QPDA - Roth IRA StretchSpouse inherits and convertsLife insurance, provided by IRA, pays the taxes

Rodney & Tiffany Riches65 Male 55 Female

Children:39 Male 37 Male 32 Female

$1 million IRA @ 6%$10 million Other Assets

est. Taxes @ 30%

• Not counting on IRA for retirement• Minimize income taxes while providing

wife and family "extra" security• Opposes taxes for Roth IRA conversion

QPDA - Roth IRA StretchSpouse inherits and convertsLife insurance, provided by IRA, pays the taxes

Rodney's retirement with just RMDs and premiums

Rodney & Tiffany Riches65 Male 55 Female

Children:39 Male 37 Male 32 Female

$1 million IRA @ 6%$10 million Other Assets

est. Taxes @ 30%

• Not counting on IRA for retirement• Minimize income taxes while providing

wife and family "extra" security• Opposes taxes for Roth IRA conversion

QPDA - Roth IRA StretchSpouse inherits and convertsLife insurance, provided by IRA, pays the taxes

Rodney's retirement with just RMDs and premiums

Tiffany's Roth IRA with no distributions

Rodney & Tiffany Riches65 Male 55 Female

Children:39 Male 37 Male 32 Female

$1 million IRA @ 6%$10 million Other Assets

est. Taxes @ 30%

• Not counting on IRA for retirement• Minimize income taxes while providing

wife and family "extra" security• Opposes taxes for Roth IRA conversion

QPDA - Roth IRA StretchSpouse inherits and convertsLife insurance, provided by IRA, pays the taxes

Rodney's retirement with just RMDs and premiums

Tiffany's Roth IRA with no distributions

One chart to show it all

Rodney & Tiffany Riches65 Male 55 Female

Children:39 Male 37 Male 32 Female

$1 million IRA @ 6%$10 million Other Assets

est. Taxes @ 30%

• Not counting on IRA for retirement• Minimize income taxes while providing

wife and family "extra" security• Opposes taxes for Roth IRA conversion

QPDA - Roth IRA StretchSpouse inherits and convertsLife insurance, provided by IRA, pays the taxes

Rodney's retirement with just RMDs and premiums

Tiffany's Roth IRA with no distributions

One chart to show it all

Life insurance makes it possible

Rodney & Tiffany Riches65 Male 55 Female

Children:39 Male 37 Male 32 Female

$1 million IRA @ 6%$10 million Other Assets

est. Taxes @ 30%

• Not counting on IRA for retirement• Minimize income taxes while providing

wife and family "extra" security• Opposes taxes for Roth IRA conversion

QPDA - Roth IRA StretchSpouse inherits and convertsLife insurance, provided by IRA, pays the taxes

Rodney's retirement with just RMDs and premiums

Tiffany's Roth IRA with no distributions

One chart to show it all

Life insurance makes it possible

Rodney ProvidesWorry Free Funds for Family

Takes just premiums and minimum distributions keeping taxes lowLife insurance provides tax-free funds to pay Roth conversion taxesTiffany has a source for tax-free distributions, but does not have to take anyLife insurance provides for taxes at her death so the children get the fundsChildren spread taxes and income over a lifetime