📘 Download our Tax-Smart Retirement Workbook:

https://bocaretirement.com/retirement-workbook/

Could your heirs have more than ten years to draw down an inherited IRA? A lesser-known beneficiary strategy may extend the distribution period in certain situations, but it comes with tradeoffs and strict timing requirements.

In this video, Hunter Brockway with Boca Retirement Strategies explains the intentional non-designated beneficiary strategy, or INDB, and how it fits into planning for an IRA you intend to leave to the next generation.

You’ll learn:

• How the SECURE Act changed the traditional stretch IRA • Why the account owner’s required beginning date affects the available options • How certain trusts or an estate may qualify for different distribution rules • Why a longer payout period can still mean larger withdrawals in the early years • Why beneficiary forms and trust provisions require coordination with your advisor, attorney, and CPA

If you’re between 50 and 65 and planning to leave retirement savings to your children or other non-spouse heirs, this video can help you identify questions to review as part of your estate plan. The available distribution period depends on the account type, the owner’s age and date of death, and the beneficiary arrangement. This strategy isn’t suitable for every family.

This content is for educational purposes only and should not be considered individualized financial, tax, legal, or insurance advice. Consult qualified professionals regarding your specific situation.

#InheritedIRA #RetirementPlanning #EstatePlanning #SECUREAct #TaxPlanning #BeneficiaryPlanning