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EPC ENY - Natalie B. Choate - Estate Planning for Retirement Benefits - 10.07.25 - Wolferts Roost
What estate planning moves are best for the client whose major asset is an IRA or other retirement plan, now that SECURE has taken away the life expectancy payout for most beneficiaries? Which clients can take advantage of the modified life expectancy payout still available for “eligible” beneficiaries---and is it worth it to do so? Options for how to provide for the surviving spouse, minor children, disabled beneficiary, elderly beneficiaries, and a “plain old
designated beneficiary,” including at options to use and those to avoid, such as: Dynasty trust (no), 678 trust (no), conduit trust (sometimes), marital trust, charitable remainder trust, spray trust, and minors’ trusts.
Learning Objectives:
How to integrate retirement benefits into the typical estate plan now that the life expectancy payout is no longer available for most beneficiaries. Case studies illustrate the best approaches for the client who owns a significant IRA or other retirement plan, and who wants to:
Benefit the surviving spouse (marital deduction trust)
Get the life expectancy payout for “eligible designated beneficiaries”
Provide for minor children
Leave benefits to a disabled beneficiary
Know what to expect from the “10-year rule”
Use charitable split interest trusts and other ideas to work with the new rules for retirement assets
This presentation answers these questions, explaining the pros, cons and pitfalls of various approaches, including the conservative, the practical and the "cutting edge."
Continuing credit will be filed for CLE. CE for CFP, CPA, and self-reporting credit is expected.
Event Links
Tickets: https://go.evvnt.com/3272586-0
Website: https://go.evvnt.com/3272586-2
