Retirement accounts may be among your clients’ largest financial assets, making informed planning essential. This course goes beyond required minimum distribution (RMD) calculations to help you provide more valuable guidance on retirement plan decisions, beneficiary distributions and tax-efficient strategies.

Explore how the SECURE Act, SECURE 2.0 and related IRS guidance have reshaped retirement planning. You’ll examine beneficiary rules for post-2019 deaths, including final regulations effective in 2025, and learn how accelerated distribution requirements can affect beneficiaries. You’ll also identify common mistakes that can trigger penalties or unnecessary taxes.

The course addresses how recent legislation and IRS interpretations may affect retirement plans for both employees and self-employed individuals. Updated materials include relevant plan distribution regulations, IRS forms, rulings, cases and legislative developments, giving you practical resources to help clients navigate today’s changing retirement landscape with greater confidence.