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I have an associate that is 73 with approx one million in a traditional IRA. Their financial advisor is encouraging them to withdraw a large portion and place it in an annuity because there will be less taxes when they die. This would leave their heirs with more and uncle Sam with less. Now I know Bob does not look favorably on annuities particularily when the financial advisor has so much to gain in way of commissions. My question is: What is the best way to shelter one million dollars in a traditional IRA from taxes?

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