IRA Life Expectancy Payout Changes Require Urgency

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Beneficiaries of stretch IRAs will get slammed by higher taxes under pending legislation that’s expected shortly to become federal law, triggering a need for urgent action to shield inherited and spousal IRAs from higher taxes.

Life expectancy payouts on IRAs are likely to be shortened to only five- or 10-years instead of being based on a beneficiary's actuarial life expectancy. This legislation has strong bipartisan support and is supported by the President.

Robert Keebler, CPA/PFS, says professionals must be prepared to pivot fast into a new strategic environment. If you wait to learn about the new moves to make until the bill is signed, you likely to miss 2019 planning opportunities. To prepare you to pivot and shift into new strategies, this class covers:

• Changes in life expectancy payouts on traditional and Roth IRAs
• Impact of the loss of deferral and bracket compression on wealth transfer planning
• Using CRTs to maintain deferral and bracket management, the law and the math
• Roth conversions for better bracket management and greater wealth transfer
• Designing IRA trusts and the terrible payout result with RMD conduit trusts, the law and the math
• Using IRA trusts in low tax states to achieve state tax savings by avoiding or delaying the state taxation of the lump sum payout
• Using single life insurance to enhance bracket management, the unbiased math
• Using Second-to-Die insurance to increase wealth transfer
• Urgent action steps for ill and dying clients including avoiding conduit trusts and using out of state trusts.
• Charitable strategies for the mass-affluent and the wealthy

Robert Keebler, CPA/PFS, earned an average rating of more than 4.8 out of five stars from A4A members in his last 12 monthly sessions. Bob, who has taught legal and accounting professionals about taxation of individuals for three decades, will speak for 50 minutes and then answer questions. Bob teaches at a fast-pace and questions are strongly encouraged.


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Robert S. Keebler, CPA/PFS, MST, AEP (Distinguished), CGMA, is a partner at Keebler & Associates. Bob has been named by CPA Magazine as one of the Top 100 Most Influential Practitioners and one of the Top 40 Tax Advisors to Know During a Recession. His three-decades as an educator of tax professionals makes him a once-in-a generation figure in the leadership of the accounting profession. Keebler's ideas are often presented in email newsletters, videos, and social content for advisor clients from Advisor Products.

This webinar is eligible for one hour of CE credit towards the CIMA® and CPWA® certifications, IRS EA CE, CFP® CE, PACE credit toward the CLU® and ChFC® designations, and live CPA CPE credit.