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TrudyKAS wrote:

<<If you are investing for beneficiaries, the Roth is the way to go. Instead of 37to 55% estate taxes after you are gone, you pay the income tax at your marginal rate now. If, (and I assume this is the case) you are planning this for your beneficiaries, the money will continue to grow with now withdrawal requirement until you have earned you golden wings. The your beneficiaries are only required to withdraw based on the expected life span of the oldest beneficiary.

And no ordinary incom or capital gains taxes, ever!!!>>

OOPS! As Don aka Wyvern51 mentioned, the estate taxes don't disappear. They must still be paid when owed. What is avoided is the income tax on the IRA that passes to heirs. With a traditional IRA, the income tax and estate tax must be paid. With a Roth, the income tax was paid by the decedent during life, so all that must be paid is any estate tax due. Also, after the Roth is established, income tax on any gains in the Roth is also avoided.

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