8-28-26 Will Your IRA Go to the Right People

Who inherits your IRA could matter just as much as what’s in it.

The SECURE Act changed the rules for inherited retirement accounts, while newer IRS regulations created additional planning opportunities for trusts and multiple beneficiaries.

Richard Rosso & Jonathan McCarty break down IRA beneficiary designations, the 10-year distribution rule, trusts as retirement account beneficiaries, and why outdated estate plans can create unintended tax consequences. Plus, we explain how properly structured trusts and subtrusts may provide greater flexibility for spouses, children, and other heirs.

Before assuming your will or trust has your retirement accounts covered, make sure your beneficiary strategy actually works the way you intend.

0:00 INTRO

0:20 - Nana Nun, teaser: Designating Beneficiaries Can Become a Nightmare

2:03 - Uber & Zipline drone delivery; Why the Young "have no money"

9:23 - Account Titling and Probate Avoidance

14:00 - Revocable Living Trusts

15:57 - Setting Beneficiaries on Assets

18:31 - How to Use TOD (Transfer on Death)

20:10 - Mistakes w IRA Beneficiaries