If you’ve ever thought about leaving money behind to your spouse, someone you love, or a generous cause, then you now have another reason to appreciate a Roth IRA over other types of retirement accounts.  One of the little known benefits of a Roth IRA is that you can designate it to someone after you die without having to pay estate taxes on it (so long your estate is valued under the taxable inheritance minimum).  Although that may sound like a small perk, it really can be a very important factor in your future estate planning! … [Read more...]