Afraid of bequeathing a tax burden? Use a Roth IRA.

Congress has been mulling over allowing the "stretch IRA" benefit to lapse. At present, when you inherit a properly titled IRA, you can continue to allow it to grow tax-deferred, taking only certain required minimum distributions over your lifetime. 

That may be all about to change if Congress repeals this lenient rule in the latest transportation bill. 

All of which, says estate planner Ronald Morton, should make Roth IRA's even more attractive as savings vehicles. Since Roths are paid into with after-tax earnings, they trigger no tax hit when distributions are made, as they would be when the Roth is received as part of an inheritance. 

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Tanner Pittman, LLC is a LaGrange, Georgia, and Metro Atlanta estate planning law firm that advises clients on structuring their retirement assets for inheritance purposes.