Uploaded April 2026 | Updated September 2026, 3 weeks ago
A major rule change quietly reshaped how retirement accounts get passed down—and most people haven’t adjusted their plan. Today, I’m breaking down how the SECURE Act eliminated the “stretch IRA” and what that means for your heirs. Instead of spreading withdrawals over a lifetime, most beneficiaries now have to empty the account within 10 years, and every dollar is taxed as ordinary income. I’ll explain why this often hits during your kids’ highest earning years, how it can push them into higher tax brackets, and what you can do about it. Because with the right planning—like managing your tax brackets now or using strategies like Roth conversions—you can help preserve more of what you pass on.
Follow my page for clear, no-fluff financial planning steps!
Visit for more - wealthrb.com
Securities offered through LPL Financial, Member FINRA/ SIPC. Investment advice offered through IHT Wealth Management, a registered investment advisor. IHT Wealth Management and RB Wealth Partners are separate entities from LPL Financial.
The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual.
This information is not intended to be a substitute for specific individualized tax or legal advice. We suggest that you discuss your specific situation with a qualified tax or legal advisor.
#CFP #Financialplanner #retirement #retirementincome #IRS #retirementfinancialplanning
A major rule change quietly reshaped how retirement accounts get passed down—and most people haven’t adjusted their plan. Today, I’m breaking down how the SECURE Act eliminated the “stretch IRA” and what that means for your heirs. Instead of spreading withdrawals over a lifetime, most beneficiaries now have to empty the account within 10 years, and every dollar is taxed as ordinary income. I’ll explain why this often hits during your kids’ highest earning years, how it can push them into higher tax brackets, and what you can do about it. Because with the right planning—like managing your tax brackets now or using strategies like Roth conversions—you can help preserve more of what you pass on.
Follow my page for clear, no-fluff financial planning steps!
Visit for more - wealthrb.com
Securities offered through LPL Financial, Member FINRA/ SIPC. Investment advice offered through IHT Wealth Management, a registered investment advisor. IHT Wealth Management and RB Wealth Partners are separate entities from LPL Financial.
The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual.
This information is not intended to be a substitute for specific individualized tax or legal advice. We suggest that you discuss your specific situation with a qualified tax or legal advisor.
#CFP #Financialplanner #retirement #retirementincome #IRS #retirementfinancialplanning
