Roth IRA Estate Planning Mistakes to Avoid in 2026

Episode 34 of Roth IRA with Fexingo tackles the often-overlooked estate planning pitfalls that can derail your Roth IRA's tax-free legacy. Lucas and Luna walk through a real-world scenario: a California couple with $800,000 in Roth assets who named their adult child as sole beneficiary—but never updated the designation after a divorce and remarriage. The episode explains why beneficiary designations override a will, how trust-owned Roth IRAs can backfire, and why the SECURE Act's 10-year rule still applies even to tax-free accounts. Listeners learn concrete steps: why naming a trust as beneficiary may accelerate distributions, how to coordinate with estate attorneys, and why a simple form update can save heirs decades of confusion. No fluff, just actionable planning for anyone with a Roth IRA who wants it to pass cleanly. #RothIRA #EstatePlanning #BeneficiaryDesignation #SECUREAct #TrustOwnedIRA #TaxFreeInheritance #CaliforniaEstate #IRAInheritance #StretchIRA #10YearRule #DivorceAndIRA #Remarriage #EstateAttorney #WealthTransfer #Finance #PersonalFinance #FexingoBusiness #BusinessPodcast Keep every episode free: buymeacoffee.com/fexingo