Oh Captain, My Captain!

Q: Allison recently wrote via Facebook and asked, “Dear Derek: Is it true that my children can no longer spread-out distributions from my IRAs over their lifetime when I die?”


A: Allison, although the aim of the SECURE Act of 2019 was to remove what was typically referred to as the “stretch-out” method of distribution from IRA owners, I have discovered two strategies that will allow your IRA to grow over the life of your heirs and remain