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intercst: you wrote, in part, "Down the road, your heirs would rather get a $1 million taxable account (where they get the stepped up basis and pay taxes at the capital gains rate) rather than a $1 million IRA (where everything is taxed as ordinary income.)"

It sounds like you were comparing to a regular IRA. Would not the analysis change if you were talking about a Roth IRA - no taxes at all?

Also, as I understand the Roth IRA, it has no required minimum withdrawals during the contributors lifetime; thus you would never be "forced" into a higher bracket by required withdrawals..

Curious. Regards, JAFO
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