Age 70½+: give directly from IRA — never taxed as income.
IRA holders 70½+ can transfer up to $105K/year (2024, indexed) directly from IRA to charity — the distribution is EXCLUDED from AGI entirely. Counts toward RMDs. Better than a standard charitable deduction (which is capped, requires itemizing, and doesn't reduce AGI-driven Medicare IRMAA).
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Shelter $69K/yr and borrow up to $50K from yourself.
Invest retirement funds in real estate, private equity, notes.
Use 401(k)/IRA to fund a business — no tax, no loan.
Shelter $100K–$300K+/yr for high-earning owner-only businesses.
Get $46K+/yr into Roth despite income limits.
Pre-tax in, tax-free growth, tax-free out — the only triple-tax account.
Borrow up to $50k against your own retirement — pay yourself interest.
Triple tax-free vehicle — the best account in the code.