The Importance of Relationship Considerations in Tax Planning

The idea here with the quest allocation is I'm going to give more of my Roth account to that air in the higher tax bracket. Is that the more tax efficient way to do it? Yes. But there's obviously other concerns. Depending on who these heirs are, if it's two siblings, for instance, then you want to make sure that everybody's buying into this plan because it's probably not going to work out exactly perfectly.