If you are maxing out your retirement plan or are taking minium required distributions from an IRA, you might want to look at other options, including:
1. Tax-free bonds
2. For high-income folks, some insurance options allow for tax-deferral.
3. Charitable trusts and annuities can also work well: avoidance of some capital gains taxes, tax-free payments, immediate tax deduction, and can be timed with IRA distributions or Roth conversions.
