78 • BECKY RUBY SWANSBURG AND NEIL WILDING
IRA Value Evaluated: $500,000 Assumed Effective Tax Rate – State & Federal (Current): 20% Pre-Tax Growth Rate: 5% Receive RMDs from ages 75 to 95, per IRS rules 45 Total Taxes Paid on RMDs from his IRA $337,000 Taxes Paid by Heirs on Remaining IRA Value at Death (Age 95) $134,000 Total Taxes Paid $471,000 Example shown for illustrative purposes only and is not guaranteed. Actual results may vary. o n Rt hyias n$ 5w0a0s, 0s0h0o cpkoerdt i. oHni os frheitsi rIeRmA eanl ot nt ea !x Bbui tl l wc oe uwl de rbeen ’$t 4f i7n1i s, 0h0e 0d witNhetxhte, Iahneallpyesids.Ryan evaluate the tax cost of converting his IRA fsupnr ed as dt sohae Re to ot hr aa cncyofuanntc. yF os or ftthwi sa rqeu. iIcf khceawl c iut lhadt iroenw, I$d5i0d0n, ’0t 0n0e eadn da pwaoi ud l dt hpea ys a$m1 e0 02, 00 0p0eirnc et no tt a el ftfaexc et isv. eT ht aexn , ohne twh oe uwl di t bh ed rdaown ae l. sN, ehie- t h eNr ohwe ,ni of rR hy ai snhceoinr sv ewrot eudl d$ o5 w0 0e, 0a0d0d,i thi eo’ndalli kt aexl ye sd ioni tt hoev ef ur tsuervee. r a l yg ievaerns yt oe aarv. oWi de pmuos dh ei nl egdhhi mi s sceol fn ivnetros i ao nh iogfhfeurn tdasx obvrearc kf i ev te i yne aa nr sy, abnr adc koeutrf omr ot hdoe sl ei nc do ne evde r tsehdo wf uendd sh. iHmi s me fof evci nt igv ei nt at ox raa thei gr ohseer dtua xe 45 m tir u R e mm M - e D d n s is t c - t p a ri l l b a cu u n l t s a i / o t p e n l d s a - n a r - c m p c a o d r r s t d i icni pg atno t I- Re mS gpul oi dy ee lei /nreest, i ar ev ma i leanbtl-et oopni lci sn-er eaqt ui ri sr e. gdo-vm/ irne i--
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