Did you know that most retirement plan assets are facing double taxation? Assets remaining in retirement plans funded with pre-tax dollars are considered “income in respect of a decedent.” So not only is the amount diminished by estate taxes, but the recipient also must pay income taxes on it!

If you can make other provisions for your family, there is a better option for your retirement plan assets - a charitable gift.

To implement your wishes, first consult your advisor, then instruct the plan administrator of your decision and sign whatever form is required. For an IRA or Keogh plan you administer personally, notify the custodian in writing and keep a copy with your valuable papers.


  • Avoid all income and estate taxes when you name us as the primary beneficiary.

  • Receive partial savings when you give us a specific amount before giving your family the remainder

  • Name us as the contingent beneficiary, which allows for greater flexibility

  • Donate retirement plan assets, which could be the most cost-effective gift you can make