A highly-paid cardiologist has patented 2 components of the artificial heart over their career, and they sit on the Board of Directors of two major medical companies. They are a single parent whose kids have already graduated college. They are considering their retirement situation. Which of the following are likely NOT to be an issue she will be facing?

Group of answer choices

They should explore creating an Irrevocable Life Insurance Trust with a licensed estate attorney.

Estate taxation is a meaningful concern.

They should avoid Roth conversions.

They should maximize any tax-deductible savings opportunities available.