Ep3 | 5 Hidden Risks of Inherited IRAs Under the SECURE Act—and How to Plan Around Them

 Do you really understand how the SECURE Act affects your IRA, your beneficiaries—and your future tax bill?  In this deep-dive episode, Ray Godleski sits down with advanced planning expert Ryan Yamada to demystify the massive changes brought by the SECURE Act. Whether you have a sizable IRA, a trust as a beneficiary, or you’re thinking about Roth conversions, this conversation reveals how misunderstanding the rules could cost your heirs thousands—and how smart tax planning today can pay off for decades. In this episode, you’ll discover:How the 10-Year Rule for inherited IRAs works—and why it might force your beneficiaries into a higher tax bracket.When using a trust as a beneficiary helps...and when it hurts (especially if it hasn’t been updated since the SECURE Act).The real value of Roth conversions—and how to use low-income years, gap years, or bracket management to reduce lifetime taxes.Listen now to learn how to protect your legacy, reduce future tax surprises, and confidently plan for smarter IRA and Roth strategies under the new rules. 🎧 Follow the show every Tuesday on Apple Podcasts:https://podcasts.apple.com/sg/podcast/financially-fluent/id1796392113📩 [email protected] welcome. Real answers given.Explore our free tools and resources atwww.YourNextStepFinancial.com