My husband and I are 48 and getting divorced and since he has a much higher value of his IRA due to premarital contributions I'd like to buy him out of some as due to genetics I have a much longer life expectancy. His portion of IRA after divided from divorce would be around 1,030,000 so by the time of his retirement with further contributions and investment income he'd be in at least 32% tax bracket if took minimum distributions. Also tax rates will probably increase in 22 years. If I wanted to buy him out right now of 300,000 of the IRA what % discount should I get (would it simply be 300K * (1-.32) )= $204,000 plus perhaps a 8-10% incentive since it's IRA $$??? so $225K?? I'll also probably be in same tax bracket when retire.
