The IRA Inhertance Trust

Date: Thursday, September 11, 2014
Time: 2:00pm - 3:00pm
Location: Kish Bank
Speaker: Panel

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2014 Kish Bank Wealth Management Estate Planning for Inherited IRA Beneficiary Trusts Series



Kish Bank is hosting the continuation of the 2014 Estate Planning Inherited IRA Beneficiary Trusts Series on Thursday, September 11, at 2:00 p.m., featuring Phil Kavesh nationally renowned expert on drafting IRA Beneficiary Trusts and creator of the PLR-approved IRA Inheritance Trust. It is our pleasure to invite you to join us for this Kish Bank Complimentary workshop, The IRA Inheritance Trust®.


The program will begin at 2:00 p.m. in the boardroom at Kish Bank Financial Center.


Your Clients and Your Practice Can Benefit from the Clark v. Rameker Decision,

But Only If You Know How to Draft and Implement This Special Trust!

With estate tax planning all but dead for most of your clients, you are probably looking for new services or products to discuss with them. Preferably ones that can quickly and easily be incorporated into a Living Trust-centered practice.

That opportunity is now here.

Many of your “middle class” clients (and higher net worth ones, too) have substantial amounts of wealth parked in their IRAs (and company retirement plans that may someday be rolled over into IRAs). These clients realize that their children have little, if any, retirement assets set aside and see the wisdom, or even the necessity, of preserving their future inherited IRAs - - from income taxes, in-laws, divorces, lawsuits, and creditors (not to mention the beneficiaries’ own poor spending habits!).

The recent U.S. Supreme Court decision in Clark v. Rameker loudly reemphasized the need to properly protect inherited IRAs. Clark v. Rameker made it clear inherited IRAs, unlike ERISA plans, are not exempted from a beneficiary’s federal bankruptcy creditors. The good news for you is that this Supreme Court decision has dramatically illustrated the potential benefits of the standalone IRA Beneficiary Trust.

Regardless of the document form and document production system that you may have, you need to understand how this IRA Beneficiary Trust works, how it can be customized (or not), how to market it so clients will engage you, and how to implement it after it has been set up.

Learn all of this and more in this “what you need to know” presentation by one of the leading experts on IRA Beneficiary Trusts, estate planning attorney Philip Kavesh. Phil created the breakthrough IRA Inheritance Trust®, which was the subject of the positive IRS Private Letter Ruling 200537044. He and his law firm have been involved in the engagement and drafting of over a thousand IRA Beneficiary Trusts, as well as the implementation of many after the IRA owners’ deaths. Phil’s unique level of experience and insight will be invaluable to your building of this new profit center for your practice.

The program will begin at 2:00 p.m. in the boardroom at Kish Bank Financial Center, North Atherton location, 2610 Green Tech Drive, State College.  The workshop continues until 4:30 p.m.


Please contact me this week to register. Seating is limited, so I encourage you to make your reservation as early as possible. If one of your colleagues is interested in attending, please extend this invitation to him or her.


Also, please look below for dates and times of additional estate planning seminars in the coming weeks:


  • September 10th, NAEPC sponsored webinar; “In-home, Private-duty Care is on the Rise: Understanding the Impact of New Legislation and How to Help Clients with Employment Risks & Responsibilities.” 3:00-4:00.

  • September 16, 2014, 12:30 - 2:30, “In the Salt Mines With Qualified Retirement Plans and IRAs,”   See-through trusts and conduit trusts -- not the same thing! Spousal and non-spousal IRA rollovers - The latest developments in creditor protection for inherited IRAs, Prohibited transactions. Lunch’n Learn with CE’s, including CLE and CPA/CPE

We hope you can make it to these workshops. Should you have any questions, please do not hesitate to contact me directly at 814-861-4660 x8277 or by e-mail at






Daniel Keane, CTFA, AEP

VP, Wealth Management Advisor & Trust Officer

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O# 814.861.4660 x8277 | F# 814.861.5675 | C# 814.380.4405 |

2610 Green Tech Drive, State College, PA 16803

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