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"&lt;p&gt;Guess what? All those beautiful dollars in qualified plans (profit-sharing, 401(k), IRA and the like) may only be worth 10 cents to 30 cents each after taxes.  That's because the IRS hits you with the three taxes: income (up to 40 percent), estate (up to 55 percent) and excise tax (always 15 percent when it applies). &lt;/p&gt;"^^<http://www.w3.org/2001/XMLSchema#string>
<http://www.mmsonline.com/columns/two-of-the-best-winning-tax-strategies>