How Roth IRA Beneficiary Rules Create a Stretch Strategy

Episode 31 of Roth IRA with Fexingo unpacks the little-known 'stretch IRA' strategy for Roth beneficiaries. Lucas and Luna walk through a real-world case: a 45-year-old inherits a $340,000 Roth IRA from a parent. They break down the ten-year rule for non-spouse beneficiaries, the perils of leaving the account in cash too long, and why converting inherited traditional IRAs to Roth can backfire. Specific numbers include how a $340,000 account growing at 7 percent could become over $660,000 if managed tax-efficiently across the decumulation window. The hosts also compare spousal rollover options versus non-spouse treatment, and explain why the SECURE Act's elimination of the lifetime stretch changes everything for inheritors. No fluff, no generic advice — just a concrete roadmap for anyone who might inherit a Roth IRA. #RothIRA #InheritedIRA #StretchIRA #SECUREAct #BeneficiaryRules #TenYearRule #TaxFreeWithdrawals #EstatePlanning #NonSpouseBeneficiary #IRAInheritance #RothConversion #SpousalRollover #RequiredMinimumDistributions #RMD #WealthTransfer #Finance #FexingoBusiness #BusinessPodcast Keep every episode free: buymeacoffee.com/fexingo