tax-treatment of 403(b)'s given to non-profit-organizations upon death

[dh003i]

I'm very closely involved with a non-profit institute, which has charity status by the IRS (contribs to it are tax-deductible). Is there a way to get the money from a 403(b) contributed to these organizations upon my (distant future) death free of the income-taxes that normally occur when you do withdrawals?

[mbozek]

Name them as the beneficaries of your retirement benefits. All charitable contributions are exempt from estate taxation. There is no income tax on a transfer after death.

[dh003i]

Great! Thanks for the helpful info. Now I can plan accordingly (namely, if I need to use the money in my retirement accounts, I'll use my 403b money last, to possibly avoid being taxed on it at all).