Secure 2.0 New Spouse Inheritance Rules Could Affect Your Retirement Plan

If you’re inheriting an IRA—or planning for your spouse to inherit yours—it’s critical to understand how recent changes under SECURE Act 2.0 could impact your financial future.

When a spouse inherits an IRA, it might seem like a straightforward process. But with the introduction of new rules, your decisions now carry more weight than ever—especially when it comes to taxes, long-term growth, and ensuring your family’s financial security.

Here’s a quick overview of the updated options for a spouse beneficiary:

• Before the Required Beginning Date (RBD): You have three choices—do a spousal rollover, keep the account as an inherited IRA, or elect the 10-year rule.
• On or After the RBD: You can still choose a spousal rollover or maintain the inherited IRA—but note: once you complete a rollover, it’s irreversible.

Understanding the nuances of each option is essential. The wrong choice could lead to unnecessary taxes or limit your retirement account’s growth potential.

That’s why we created a helpful guide:
➡️ Download “Spouse Beneficiary Options After SECURE 2.0”
This free resource breaks down your choices and gives you clear, actionable insights.

At RFG Wealth Advisory, we believe financial success doesn’t happen by chance—it happens by planning. If you’re unsure which option is right for your situation, we’re here to help.

Contact an advisor with RFG Wealth Advisory at 940-464-4104 to schedule a time to review your beneficiary strategy or investment questions. Or schedule a virtual consultation here.

RFG Wealth Advisory is a fee-only Registered Investment Advisor firm located in Argyle, Texas. We always put our clients’ interests first. We have a transparent, easy-to-understand fee structure—no hidden costs or commissions.