Coordinating the Retirement and Estate Plan

Planning for Estates is offering a CD set and 66-page manual entitled Financial Planning After Retirement: Coordinating the Retirement Plan with the Estate Plan, based on a recent CLE teleconference. A summary of the available materials is below:

A wrong determination of whether a trust qualifies as a designated beneficiary of retirement benefits can cost the owner decades of tax deferral as well as 50 percent excise tax penalties. Learn how to provide the best asset protection and estate planning benefits for large retirement plans so that the valuable “stretch out” does not become a “blow out.” Most trusts are inadequately drafted to handle retirement plans, especially in light of the recent changes of the Pension Protection Act. New preparer penalties put an additional premium on determining whether the trust is likely to qualify. This teleconference will help you understand which trusts qualify and which do not, and how to ensure they do. It also discusses two alternatives to owner control that are often overlooked – the trusteed IRA and the IRA annuity. Comparison charts and decision trees will assist you to understand and communicate these options to clients in the clearest possible manner.