Turning IRA Taxes Into Legacy: The Retirement Tax Minimization Strategy (RTMS)

In this on-demand webinar replay, Scott McHenry, President and Chief Actuary of McHenry Advisers, walks through the Retirement Tax Minimization Strategy (RTMS) and how it can be used for clients with significant qualified assets. Moderated by Anthony Mento, this advanced, advisor-only session breaks down the strategy in practical, advisor-ready terms—showing how life insurance can be integrated into tax-efficient legacy planning, reposition assets outside the qualified plan, and potentially create stronger outcomes for clients and their beneficiaries.

Topics Covered:

• The IRA Tax Problem
  • Why qualified plan assets may lose up to 70% of their value to income and estate taxes
  • How RMD rules and the SECURE Act accelerate taxation for beneficiaries
• The Retirement Tax Minimization Strategy (RTMS)
  • How life insurance can be funded inside a qualified plan using pre-tax dollars
  • The process of repositioning the policy outside the plan into personal or trust ownership
• Strategic Outcomes
  • Creating significantly larger tax-efficient legacy transfers
• Real-World Case Study
  • A $4M IRA example
  • Potential increase in after-tax legacy by 40–68% depending on life expectancy assumptions
• Implementation & Advisor Opportunities
  • Ideal client profile
  • Planning team structure
  • How advisors integrate the strategy into client conversations

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