What the SECURE Act changed for your IRA beneficiaries

Jordan Reyes, Esq. · 6 September 2026 · 1 min read

For decades a child who inherited an IRA could draw it down across their lifetime. For most beneficiaries that became a ten-year window.

Plans that name a trust as beneficiary in the old way can now push withdrawals into a beneficiary's highest-earning years. That is worth a review, not a rewrite.

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