In that case, the parent "is no worse off than they would have been had they saved in a taxable account," depending on their tax rates onlong-term capital gains, he said.
One of three separate tables is used depending on your situation. The sole beneficiary is the owner's spouse who is more than 10 years younger than the owner. The second situation is when you have other beneficiaries besides your spouse or your spouse is not more than 10 years younger than...