Darren, and I had our zoom call yesterday with Erik, CFP to discuss his client with the $3m in an IRA, and what Roth conversion / Alternatives are available for Erik's client. After a great presentation from Darren, Erik replied this isn't going to work for this client, however I have another client. He said my clients 76, and 74 years of age got approved standard early last year for an IUL. They planned on putting $7m into a CRT and take 5% yearly to fund the IUL, but they loss $3m in the markets and got cold feet. Erik said that this will be a no brainer for them and they are already approved for Life insurance. Our initial presentation was illustrating $750K a year premium for first 4years. The new case annual premium will be over $1m per year.