[quote=luchabee]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.

I hate taxes.
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The Variable Annuities are probably too complex for most mortals, and they have huge fees.

Dumb question on Charitable trusts? How do these help when one isn’t in the mood of being charitable? Not that I don’t donate..Just curious though are there advantages to charitable trusts versus folks that normally don’t donate?