06/02/2026
The High Net Worth Trap: Roth IRAs for Children Who Will Eventually Be Too Wealthy to Contribute
A key consideration for high net worth families is that your children may one day exceed the income limits for direct Roth contributions. Funding a Roth IRA now, while they are young and their earned income is low, secures them access to this powerful tax vehicle for life. This is a limited-time window to establish tax-free compounding that their future wealth would otherwise preclude. We integrate this time-sensitive move into your advanced legacy plan.
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