They Inherited a $1M IRA and the IRS Took Half

Planning to leave a traditional IRA or 401(k) to your children? New IRS regulations for 2026 could trigger a massive tax bomb, forcing your adult children to liquidate the account within 10 years and lose up to 40% or more to taxes. In this video, we break down the latest required minimum distribution (RMD) guidelines, the death of the "Stretch IRA," and exactly how the 10-year rule impacts your heirs during their peak earning years. More importantly, we outline three advanced tax-saving strategies—including systematic Roth conversions and Qualified Charitable Distributions (QCDs)—designed to protect your legacy and maximize what your family keeps. 📅 Schedule a complimentary 1-on-1 Introductory Call with us to map out your custom legacy strategy: https://calendar.app.google/2JyDxC1WM... TIMESTAMPS: 00:00 - Introduction & The $1M Inheritance Tax Trap 00:32 - The Death of the "Stretch IRA" (Old vs. New Rules) 02:10 - Old vs. Modern IRA Rules Comparison Chart 02:36 - Inherited Roth IRA vs. Traditional IRA 03:28 - The 10-Year Rule Breakdown (Scenario A vs. Scenario B) 04:45 - Mandatory RMDs for Beneficiaries After Required Beginning Date 05:18 - The 25% IRS Penalty Warning 05:42 - Peak Earning Years: The Worst Time to Inherit An IRA 06:07 - Case Study: Real Math on a $1,000,000 Tax Bomb 07:50 - 3 Advanced Strategies to Defuse the Tax Trap 08:00 - Strategy 1: Systematic Roth Conversions 08:48 - Strategy 2: Tax Bracket Leveling 09:20 - Strategy 3: Lifetime Qualified Charitable Distributions (QCDs) 09:40 - Simple Asset Distribution Flowchart 10:08 - How to Leave a Tax-Efficient Legacy (Next Steps) --- Disclaimer: This video is for informational and educational purposes only and should not be construed as specific tax, legal, or financial advice. Tax laws are complex, highly individualized, and subject to change. Always consult with a qualified financial advisor or certified public accountant (CPA) regarding your personal financial situation.