By Sara V. Solano, CRPC®, BFA™ LodeStar Advisory Group LLC In earlier discussions, we outlined the structure of inherited IRAs and explored how withdrawals can be managed within the 10-year rule. The framework is clear. The strategies are defined. And yet, in practice, many beneficiaries still find themselves facing unnecessary tax consequences. Not because they lacked information but because decision-making over time is rarely purely rational. The Real Challenge Isn’t the Ru

By Sara V. Solano, CRPC®, BFA™ LodeStar Advisory Group LLC Turning a Compliance Requirement Into a Planning Opportunity When a beneficiary inherits an IRA, the IRS rules may feel rigid, but the real impact is determined by how distributions are handled. Under the 10-year rule, most non-spouse beneficiaries must fully withdraw inherited IRA assets within a decade. On the surface, this seems like a simple deadline. In practice, it opens the door to a wide range of strategic...

By Sara V. Solano, CRPC®, BFA™ LodeStar Advisory Group LLC A Changing Landscape for Inherited Retirement Accounts Over the next decade, trillions of dollars will move from one generation to the next through retirement accounts—particularly IRAs. For many families, these transfers will mark the largest financial event of their lives. Yet few realize that the rules governing inherited IRAs have changed dramatically. The SECURE Act of 2019 , followed by further IRS regulations