If they didn't want to leave any estate, they could put everything into annuities. (They'd need separate annuities for the after tax, traditional IRAs, and Roth IRAs. So that could be as many as 5.)I don't know if that would provide the monthly income they need/want. But it's at least something to check out. what do you all think/know about charitable annuities...( their rates seem unrealisticly high
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