No. of Recommendations: 1
Plans festering to make inherited IRAs be cashed in within 5 years. So far, gov't can't make you cash in stock. I prefer to pass on controllable assets if I have to pass on any.

IRAs were never intended to go forever without being taxed, and so it looks like they are trying to ensure they get those taxes sooner rather than later. You do get a tax deduction when those contributions are made, and so are delaying the taxes, but your comparison to the stock is faulty. The government doesn't care how you hold your after-tax assets because they already taxed those dollars. Similarly, they are looking for the taxes on the tax-sheltered money sooner as they don't want it to be sheltered forever.

It's not really "controllable" assets that you are talking about passing on. It is the difference between those that have been taxed already (in your taxable account) and those that have not yet been taxed (the deductible IRA contributions).
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