This is a battle of the heavyweights as both concepts are powerful. If a client's estate is not large enough to worry about estate taxes and the client does not have significant charitable motivation, the Stretch-Out is a superb technique. If the estate faces transfer taxes, Charitable IRA is a preferred approach as it delivers tax free capital (not tax deferred) to heirs plus a substantial deferred gift for a favorite charity.
Use with Wealthy and Wise, the InsMark Illustration System, and Documents On A Disk.
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