The Setting Every Community Up for Retirement Enhancement (SECURE) Act of 2019 will radically change how we view traditional and Roth IRAs. The most significant and expensive change is the elimination of the ‘stretch’ provision. Under prior law, we could take distribution on an inherited IRA over our life expectancy; this allowed us to take smaller distributions and continue the tax deferral (or in the case of a Roth IRA, tax-free accumulation) over our life expectancy.

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