Are You Coordinating Inherited IRA Decisions With Your Wealth And Tax Strategy?

When it comes to IRAs, one wrong move can cost you tens—or even hundreds—of thousands of dollars. In this Savvy Series episode, Catherine and Rachel break down the confusing world of spousal vs. non-spousal inherited IRAs, the 10-year rule, RMDs, Roth considerations, and why rushing into a rollover could trigger unintended taxes and penalties If you're a widow, under age 59½, inheriting from a parent, or navigating multiple accounts "all over the place," this conversation is especially for you. The hosts share real client scenarios—from paperwork overload to missed rollover opportunities—and explain how grief, urgency, and bad advice can lead to costly mistakes. They also unpack: How the SECURE Act changed the stretch IRA Why big withdrawals can spike taxes, Medicare premiums (IRMAA), and even Social Security taxation When Roth conversions might make sense Smart legacy strategies involving charities and step-up in basis Bottom line? Don't rush. Pause. Plan. And understand your options before signing anything. Plus, learn about the upcoming "Her Financial Year" workshop in Carlsbad. Because getting savvy starts with slowing down. Date Recorded: 2/12/26 Disclosure: Savvy Women Wealth Management is an SEC Registered Investment Advisor The opinions expressed in this program are for general informational purposes only and are not intended to provide specific advice or recommendations for any individual or on any specific security. It is only intended to provide education about the financial industry. To determine which investments may be appropriate for you, consult your financial advisor prior to investing. Any past performance discussed during this program is no guarantee of future results. Any indices referenced for comparison are unmanaged and cannot be invested into directly. As always please remember investing involves risk and possible loss of principal capital; please seek advice from a licensed professional. Tax considerations presented may not be appropriate every individual circumstance. A tax professional should be consulted before making any decisions about your tax liability. savvyup.com | 760.692.5700