IRA LIT
Protect Your IRA from the Two Biggest Wealth Destroyers:
Long-Term Care Costs & Taxes
IRA LIT
Protect Your IRA from the Two Biggest Wealth Destroyers:
Long-Term Care Costs & Taxes
Wealth Destroyer #1 – Long-Term Care Costs
• 1 in 2 people will need nursing home care.
• Average cost in Pennsylvania: $15,000/month.
• Average stay: 2.5 years → over $500,000 out-of-pocket.
Most assets can be shielded with trusts, but IRAs cannot.
That means many families drain their IRAs rapidly to cover care, leaving little behind.
IRA LIT changes that.
Wealth Destroyer #2 – Taxes
Even if you avoid long-term care costs, taxes can erode your IRA:
• Inheritance Tax: 4.5%–15% in Pennsylvania.
• Federal Income Tax: Often 30%+ for beneficiaries in peak earning years.
• Federal Estate Tax: Up to 40%.
The result?
Beneficiaries may receive only a fraction of your IRA’s value.
IRA LIT helps reduce this burden.
The IRA LIT Solution
There’s a better way. With IRA LIT, you can:
• Shield your IRA from long-term care costs.
• Reduce tax exposure at multiple levels.
• Increase the net wealth passed to your family.
And the best part?
No long-term care insurance required.
Why Haven’t You Heard of This?
Most advisors only focus on accumulation.
We focus on your exit strategy — ensuring your IRA is protected when you need it most and preserved for the next generation.
Get a no-cost consultation and a free analysis of your IRA’s exposure to long-term care and taxes.
Your IRA deserves protection.
Your family deserves security.