For many high-net-worth families, estate planning conversations center around tangible and financial assets: investment portfolios, real estate, and business interests. Yet an increasingly significant portion of a client’s life now exists in a place traditional planning often overlooks: the digital…
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RMD Rules for Trusts Inheriting an IRA: Timing Is Everything
By now, you’ve learned that when a trust inherits an IRA, several layers of rules come into play — from see-through status to trust type and beneficiary class. The final big piece is understanding Required Minimum Distributions (RMDs) and how they differ…
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When a Trust Inherits an IRA: Understanding a See-Through Trust
Naming a trust as the beneficiary of an IRA can be a smart move, especially if you want to protect heirs, control how money is distributed, or make sure assets are managed responsibly. But when an IRA passes to a…
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What Happens to Your HSA When You Die?
Health Savings Accounts (HSAs) are fantastic during your lifetime, but what happens to that money when you’re gone isn’t always intuitive. In fact, HSAs behave very differently depending on who inherits them, which makes beneficiary planning especially important. If you…
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Home DNA Kits Are Changing Estate Planning (Whether Your Family’s Ready or Not)
A decade ago, a surprise cousin match on a DNA site was mostly just a fun conversation starter. Now? At-home DNA kits are showing up in real-life estate disputes, poking holes in assumptions families make about “who counts,” and forcing…
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Inherited IRA Rules Explained: RBD, Beneficiary Types, and Tax Implications
Trillions of dollars in Baby Boomer assets will be transferred in the coming years. Beneficiaries may end up with multiple Inherited IRAs, each with varying distribution requirements. Careful management is needed to minimize taxation, thereby maximizing return. Note: Beneficiaries must…
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Retirement Planning in the Age of AI
Artificial intelligence has rapidly transformed how people manage money, make decisions, and plan for the future. But when it comes to something as deeply personal and long-term as retirement planning, how much should you trust algorithms over human insight? The…
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