Content Level: Advanced
NAPFA Subject Area: E-Retirement Planning

Attend the live program for the required number of minutes to obtain 1 NAPFA CE and 1 CFP CE. To earn 1 NASBA CPE for the live program as well, make note of the three codes that will be pasted into the Zoom Chat during the session, then return to this course to complete the NASBA CPE Quiz component under the Content tab.

Within this course, you have free access to the recording of Denise Appleby's October conference session called, "The SECURE Act’s New RMD Requirements & Other Recent Developments Impacting IRAs." Watch it to earn 1 NAPFA CE if you haven't already, and take the optional quiz to earn 1 CFP CE as well. Those who've earned CEs for the course previously are welcome to watch it as a refresher but will not earn additional CE.

The proposed RMD regulations contradict industry interpretations of the SECURE Act regarding the distribution option for beneficiaries of IRAs and employer plans. However, advisors can help beneficiaries see through the fog of this confusing messaging by taking them on the right path determined by their beneficiary status. This webinar will provide an atlas that the advisor can use to determine the different roadmaps for each beneficiary class and identify tax-efficient solutions where applicable.

1. Explain the distribution options available to the different classes of beneficiaries
2. Identify unique planning opportunities for spouse beneficiaries
3. Determine corrective steps when a beneficiary misses the deadline for taking required distributions

Denise Appleby, MJ, CISP, CRC, CRPS, CRSP, APA Denise Appleby is CEO of Appleby Retirement Consulting Inc., a firm that provides IRA resources for financial, tax, and legal professionals.

A graduate of The John Marshall Law School where she obtained a Master of Jurisprudence in Employee Benefits Law, Appleby is an author, consultant, trainer, and speaker on the tax laws and operations compliance that govern IRAs and employer-sponsored retirement plans.

Appleby’s consulting practice focuses on protecting retirement savings accounts from costly mistakes.

She works with advisors to help clients avoid these mistakes by simplifying the tax code and other governing rules and regulations. In addition, when possible, Appleby helps to correct errors that have already been made and has helped individuals save from a few hundred to millions of dollars by avoiding and fixing mistakes.

Appleby writes and publishes educational and marketing tools for advisors available at http://irapublications.com.