Why Leave On Assets (Especially IRAs) Are So Tax-Inefficient – And Four Smarter Ways to Fix It episode artwork

EPISODE · May 15, 2026 · 14 MIN

Why Leave On Assets (Especially IRAs) Are So Tax-Inefficient – And Four Smarter Ways to Fix It

from A Smarter Way To Retire with Tony Leonardi, CFP® · host Anthony Leonardi

If you don’t need your IRA for living expenses, it canbecome one of the most tax-inefficient assets to leave your children. The IRS often takes two bites at the same dollars — once during your lifetime and again when your heirs are forced to withdraw over 10 years. In this episode I show you the real cost with clear examplesand introduce four practical strategies under the Smart Legacy Tax Shield that let you pay tax once instead of twice. Download the free Smart Tax Shield Legacy PlaybookBook your no-cost Smart Retirement Model session →LeonardiFamilyWealthcare.com #LeaveOnAssets #SmartLegacyTaxShield #RMD #TaxPlanning#LegacyPlanning #SmartRetirement

If you don’t need your IRA for living expenses, it canbecome one of the most tax-inefficient assets to leave your children. The IRS often takes two bites at the same dollars — once during your lifetime and again when your heirs are forced to withdraw over 10 years. In this episode I show you the real cost with clear examplesand introduce four practical strategies under the Smart Legacy Tax Shield that let you pay tax once instead of twice. Download the free Smart Tax Shield Legacy PlaybookBook your no-cost Smart Retirement Model session →LeonardiFamilyWealthcare.com #LeaveOnAssets #SmartLegacyTaxShield #RMD #TaxPlanning#LegacyPlanning #SmartRetirement

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Why Leave On Assets (Especially IRAs) Are So Tax-Inefficient – And Four Smarter Ways to Fix It

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This episode was published on May 15, 2026.

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If you don’t need your IRA for living expenses, it canbecome one of the most tax-inefficient assets to leave your children. The IRS often takes two bites at the same dollars — once during your lifetime and again when your heirs are forced to...

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