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Unless your financial plan includes an IRA inheritance (some actually do), then receiving such is an unanticipated windfall ... and that brand new 2013 truck is likely pretty far down on the list of "needs."

I don't know how far up the affluence ladder your clients (or their heris) are, but for a certain chunk of people, RMD's are a nuisance they wish they could do without (hence strategies for Roth conversions) rather than something that will supply income for various needs/wants.

IOW, they could afford a brand new 2013 truck Just Fine even if their entire IRA (or inherited IRA if beneficiaries) was stolen from them by rabid weasels.

-synchronicity, I'll leave it to you to figure out how rabid weasels could steal an IRA.
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