Leave the Kids the Roth, Spend the IRA Yourself: The Inheritance Order Most Families Get Backward.

The article argues that the tax code favors a different withdrawal sequence for retirees: spending down assets that would otherwise be tax-advantaged for heirs, while preserving accounts that can compound tax-free over roughly a decade. It notes that most families don’t follow this approach, implying a behavioral gap rather than a policy change.

Analysis

The article argues that the tax code favors a different withdrawal sequence for retirees: spending down assets that would otherwise be tax-advantaged for heirs, while preserving accounts that can compound tax-free over roughly a decade. It notes that most families don’t follow this approach, implying a behavioral gap rather than a policy change.