In this episode of the Baird Retirement Management Show, Scott Bartosh and Greg Ashcroft unravel the complexities surrounding inherited IRAs in the wake of the SECURE Act. Together, they explore how the new rules impact beneficiaries, from spouses to adult children, and what it means for your estate plan. Tune in as they discuss: Key changes introduced by the SECURE Act, including the elimination of the lifetime "stretch" for most beneficiaries. The three classes of IRA beneficiaries—eligible designated, non-eligible designated, and non-designated—and the unique rules for each. Why Roth IRAs remain a powerful tool for tax-free growth and how to optimize inherited Roth accounts. The role of trusts in estate planning post-SECURE Act and the tax implications for different trust structures. Practical tax strategies, including charitable giving, to minimize the burden on heirs. Whether you're planning your estate or dealing with the complexities of inheriting an IRA, this episode provides actionable insights and expert guidance to help you navigate these challenging scenarios with confidence. Don't miss this deep dive into one of the most impactful changes to retirement planning in recent years!

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