Sep 10, 2026
The SECURE Act requires most inherited IRAs to be emptied in 10 years. Learn how to navigate RMD rules and the potential 25% IRS tax penalty.
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0:45 - Welcome to America's Wealth Management Show with Dean
Barber RFC® & Chris Rett CFP®.
2:05 - What is the SECURE Act 10-Year Rule for inherited IRAs?
4:30 - How did the 2019 SECURE Act eliminate the original Stretch
IRA strategy?
7:07 - What is the IRS excise tax penalty if I miss an inherited
IRA distribution?
8:57 - Why inheriting an IRA during my peak earning years creates a
major tax trap
13:08 - Why is Congress using inherited IRAs as a hidden "death
tax"?
Send us a questions to be featured on the show at: Questions@modwm.com
For more educational content visit:
https://www.youtube.com/@MeetModernWealth
Check out our other videos:
https://youtu.be/BdM-15mxEDM?si=D7AftiJLLwiyPU0f
https://youtu.be/O-nGasrm5HE?si=Mup8P2NTi13R9-2Q
https://youtu.be/BL2pmLI8dRw
Sources:
https://www.irs.gov/pub/irs-drop/td-10001.pdf
https://www.irs.gov/retirement-plans/retirement-plan-and-ira-required-minimum-distributions-faqs
Investment advisory services offered through Modern Wealth
Management, LLC, a registered investment adviser. The views
expressed represent the opinion of Modern Wealth Management, a
Registered Investment Adviser. Information provided is for
illustrative purposes only and does not constitute investment, tax,
or legal advice.
Modern Wealth Management does not accept any liability for the use
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