Why Your Kids Pay More Tax When You Die (And How to Fix It)

Описание: Book your retirement call with me here: https://www.raymondjames.com/starboar...

Many parents want to leave something meaningful behind for their children — but few realize how easily taxes, account structure, and poor planning can shrink an inheritance or create unnecessary stress for the next generation.

In this video, I walk through how inherited money is taxed, which assets pass down efficiently, and where families often make mistakes with retirement accounts, Roth conversions, and beneficiary planning. I also explain why leaving money behind isn’t enough — clarity, preparation, and structure matter just as much.

This discussion is especially important for families with IRAs, 401(k)s, brokerage accounts, and life insurance who want to reduce taxes, avoid confusion, and help their children handle inherited wealth responsibly.

If you’re thinking about how to pass wealth to your children in a thoughtful, tax-efficient way, this video will help you understand what matters most — and where planning makes the biggest difference.

If you’d like help evaluating how this applies to your own situation, you can book a complimentary conversation using the link below.


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