Austin, TX estates planning & probate attorney Kyle Robbins explains what you need to know about estate planning and retirement. He explains that estate planning involving retirement accounts is among the most complex types of planning. The challenge arises because assets like IRAs and 401(k)s have not yet been taxed, meaning income taxes will be owed when they are passed down to family members. He works closely with clients to understand the rules and develop strategies that maximize what can be transferred to their heirs while minimizing the eventual income tax burden. When working with clients approaching retirement, his focus is on creating a plan that reduces taxes and ensures the family receives the greatest benefit from the retirement assets.