Here are some steps to take now to reduce your heirs' tax liability when you die.
Even though you file jointly, the IRS recognizes that you each have separate IRA accounts.
IRA fees are tax-deductible if you use outside assets to pay them.
To track your nondeductible contributions, you should have filed Form 8606 over the years.
An IRA is a great resource for retirement income, but it helps to understand the jargon.