rescueme
Thinks s/he gets paid by the post
I would agree (in our situation, only).Concerning RMDs, unless you care about leaving an estate when you die, RMDs are irrelevant. I'm willing to be convinced otherwise.
The vast majority of our TIRA's (as forecasted) will be going to charity after we pass. the little excess RMD's (e.g. required withdrawls, in excess of our projected retirement expenses) will be added to our disabled son's SNT (special needs trust).
As to the remainder? It's going to charity, with no tax due (under current laws). If the laws change? No problem; we won't be around to worry about it ...