Qualified Dividends, Gifting Strategies, Roth Conversions, and Trust Taxation: Q&A #2510

The Retirement and IRA Show

Jim Saulnier, CFP® & Chris Stein, CFP®

Business, Investing

4.3 • 730 Ratings

🗓️ 8 March 2025

⏱️ 81 minutes

🔗️ Recording | iTunes | RSS

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Summary

Jim and Chris are joined by Paul Neiffer, CPA to answer listener questions on qualified dividends, gifting strategies, Roth conversions, and trust taxation.

(09:00) George wonders if frequent rebalancing in his taxable brokerage account is causing more of his dividends to be classified as unqualified.

(21:30) A listener asks for guidance on which accounts to withdraw from when planning a large financial gift to an adult son.

(37:15) The guys offer their perspective on doing Roth conversions early in retirement in order to reduce RMDs, and thus taxes, later in retirement.

(59:30) Georgette seeks clarity on revocable trust taxation, IRA beneficiary designations for minors, and whether a trust should be named as the beneficiary of a Roth or brokerage account.

The post Qualified Dividends, Gifting Strategies, Roth Conversions, and Trust Taxation: Q&A #2510 appeared first on The Retirement and IRA Show.

Transcript

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0:33.4	advisor.
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0:48.2	University Finance Instructor and Certified Financial Planner Chris Stein, teach you about IRAs, 401ks, annuities,
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1:06.7	Jim and Chris want you to know that they're available to help you plan for your retirement.
1:11.3	Just visit their website at Jimhelps.com.
1:14.4	That's Jim, H-E-L-P-S dot com, and click the Meet the Team button on the homepage.
1:20.6	Now here's Jim and Chris with today's show.
1:26.1	Hello and welcome to the Retirement and IRA show Q&A edition for this week.
1:31.4	Have kind of a special edition Q&A.
1:34.0	We are going to have a tax-focused Q&A show today because we happen to have availability of one of the members of our tax team, Paul, who's been on the show before.
1:45.7	As we typically do, we save up random tax questions that come in.
	...

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