Ironclad Retirement

How Taxes Impact Giving Money to Children

Episode Notes

Bestselling Author and Retirement Planning Expert, Matt Richman, explains how annual gifting strategies can help families transfer wealth intentionally while watching the impact in real time. He discusses gifting limits, using 529 plans for education, and how certain rules can even allow leftover 529 funds to support a Roth IRA—turning giving into a multi-generational advantage.