ROBERTSON STEPHENS®
Defusing the IRA Timebomb
Retirement accounts make up a large part of many people’s estates; unfortunately, many IRA owners and their advisors are not familiar with the complicated tax laws regarding distributions from retirement accounts.
Why is this? Because retirement accounts are different!
Therefore, you must separate the retirement accounts from the rest of your estate and establish a proper plan for distribution of these assets. Although many individuals have established complex planning strategies, many have not addressed the planning issues of IRA and other retirement plans. IRAs are often referred to as “the Missing Estate Plan” because the rules can be complex and therefore it is easy to cause mistakes, and careful planning is necessary to avoid the Triple Tax Syndrome.
At this live workshop, John Lau will show you:
- How IRAs are different from other accounts and what are their impacts
- How the SECURE Act has changed beneficiary planning for retirement accounts
- How inheriting an IRA account does not automatically stretch out the 10-year distribution unless your beneficiary does one more thing…
- How an IRA Beneficiary Trust can help save income and estate tax
- How a Charitable Remainder Trust IRA beneficiary can help stretch out distributions
- How relocating your IRA to life insurance may parlay your retirement accounts to a large tax-free estate
- Whether to Convert or not to convert (to Roth IRA)
- And much more
Comments From Recent Workshop Attendees.
John Lau
CPA, CFP®
John is a Principal and Managing Director at Robertson Stephens’ San Ramon and Burlingame offices in the San Francisco Bay Area. John and his team specialize in retirement distribution planning, serving clients in or near retirement. John’s team uses a total-solution approach to planning, including income tax reduction, estate conservation, portfolio management, and retirement distribution planning.
John is a Certified Public Accountant (CPA) and a Certified Financial Planner® (CFP®) professional. He received his B.Sc., (Accounting) from California State University, Fresno, and Master of Science in Taxation from Golden Gate University. John is a firm believer in financial literacy. He was a co-chair of the California Society of CPA’s Financial Literacy Committee. He also founded Financial Aptitude Training (FiAT™), a Sec. 501(c)(3) non-profit organization teaching financial literacy to adults and teens in underserved communities.
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John is a public speaker on financial topics and has authored numerous financial books and booklets, including Winning the Retirement Race Between Time and Money; What Should I Do Before Anything Happens to Me; Suddenly Single; IRA Survival Guide After the SECURE Act, and more. John is also on the advisory board to the Dean of the College of Business and Economics at California State University – East Bay.
Defusing the IRA Timebomb
Time: 11:00AM - 12:30PM
Date: January 14th, 2025
Location: Ohlone College Bldg. 19 Room 105, Fremont, CA 94539
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San Ramon, CA 94583
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