This will sound extreme but let's say for the sake of argument that someone has no heirs, is very tax averse, and has a such a large T-IRA balance that Roth conversions wouldn't make a meaningful dent, and even after maxing out QCDs, RMDs put him/her into IRMAA territory. One way for this person to get the balance of the T-IRA down would be to invest in triple leveraged short ETFs. Realizing this is the epitome of the tax tail wagging the dog, it may be an option for some.
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This will sound extreme but let's say for the sake of argument that someone has no heirs, is very tax averse, and has a such a large T-IRA balance that Roth conversions wouldn't make a meaningful dent, and even after maxing out QCDs, RMDs put him/her into IRMAA territory. One way for this person to get the balance of the T-IRA down would be to invest in triple leveraged short ETFs. Realizing this is the epitome of the tax tail wagging the dog, it may be an option for some.
Post: Is a Roth conversion an optimal strategy in my situation?
Link to comment from September 19, 2026
Ah, the dreaded 'Wedding Industrial Complex'.
Post: A Wedding Too Far
Link to comment from September 12, 2026