The Long Game: Roth Conversions & Legacy Planning

Legacy planning is all about transferring wealth to descendants as efficiently as possible. So it may be surprising to hear that a Roth IRA—a vehicle ostensibly intended for retirement income—can be a powerful mechanism for next-generation wealth transfer. Indeed, a Roth conversion has the potential to generate greater wealth than a traditional IRA during an individual’s or couple’s lifetime, and it can play a meaningful role in providing tax advantages to heirs throughout their lifetime as well.

On A Shoestring

In this article, we offer a robust analytical framework that can help endowments and foundations think about spend-rate planning, in terms of key risks they face such as short-term drawdown risk and long-term erosion of capital.

On A Shoestring

In this article, we offer a robust analytical framework that can help endowments and foundations think about spend-rate planning, in terms of key risks they face such as short-term drawdown risk and long-term erosion of capital.

Strategic Advisory – a thinking partnership

Making sense of complexity

For many of our clients, the greatest challenges they face do not fit neatly into boxes. The inter-play of personal taxes – sometimes in more than one country – their business interests and investments, philanthropic intentions, and the education and succession of the next generation creates complexity and contradictions that can seem at times impossible to untangle.

Strategic Advisory – a thinking partnership

Making sense of complexity

For many of our clients, the greatest challenges they face do not fit neatly into boxes. The inter-play of personal taxes – sometimes in more than one country – their business interests and investments, philanthropic intentions, and the education and succession of the next generation creates complexity and contradictions that can seem at times impossible to untangle.

2018 Year-End Planning Letter

Each year, we send a letter to clients to help guide our year-end planning discussions with them and to offer ideas for them to consider with their other advisors. Our goal in year-end discussions is to ensure that client plans are updated as needed, based on changing external conditions as well as the client’s circumstances, so that we stay on track to deliver the long-term outcomes that each client seeks.

This year, two substantive factors—the 2017 tax overhaul and rising interest rates—will be important considerations in our year-end planning work.

2018 Year-End Planning Letter

Each year, we send a letter to clients to help guide our year-end planning discussions with them and to offer ideas for them to consider with their other advisors. Our goal in year-end discussions is to ensure that client plans are updated as needed, based on changing external conditions as well as the client’s circumstances, so that we stay on track to deliver the long-term outcomes that each client seeks.

This year, two substantive factors—the 2017 tax overhaul and rising interest rates—will be important considerations in our year-end planning work.

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