401kannuitiesannuityapproachbasisbeneficiariesbenefitbenefitsbondbufferedcatchchangescharitableclaimingcontributionsconversionconversionscostdaydeferrededuestateetfsfamilyfiasfundingfundshsaidentityincomeinheritedirasirmaakevinlimitsmedicaremistakesmygasperiodphilosophyplanningplanspositioningpsapsasqcdqcdsremainderrilasrmdrmdsrolloverrothrulerulessebestasecuritysocialspendingspiaspousalstatusstrategiesstrategytaxtaxationtaxesthefttimingtransitiontrustswithdrawalsyear