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3 RETIREMENT ACCOUNT TAKEAWAYS FROM OBBBA |
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By Sarah Brenner, JD |
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On July 4, 2025, President Trump signed into law the “One Big Beautiful Bill Act” (OBBBA). This mammoth domestic policy and tax law is hundreds of pages long and will impact many people in all kinds of ways. What does it mean for your retirement account? Here are 3 takeaways: |
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Q: |
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Q: I have a client who died last month. She would have been age 83 this year. She had an IRA. Her husband, age 87, was the beneficiary of the IRA. She did not take her required minimum distribution (RMD) for 2025 before she died. He intends to do a spousal rollover by transferring the funds to his own IRA. Does he need to take the RMD prior to moving the funds? |
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Q: I am age 57 and retiring this year. I know there is an exception to the 10% early distribution penalty when someone separates from service in the year they reach age 55 or later. I also know this exception does not apply to IRAs. I understand that if I roll over some funds to the IRA, then I can’t use the exception when taking a distribution from the IRA. However, if I leave other funds in my employer plan, can I still use the exception when withdrawing those other funds? |
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Have a question for America's IRA Experts? |
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September 17–18, 2025 – Virtual via Zoom with Live Q&A February 12–13, 2026 – Las Vegas at The Cosmopolitan |
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Whether you're attending virtually or in-person, you'll walk away with real client strategies, advisor-tested tools, and up to 14 CE credits — all designed to help you lead more confidently in a post-OBBBA world. |
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✅ How to turn OBBBA, SECURE Act 2.0, and IRS final regs into clear, compliant client guidance |
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Seats fill up fast — secure yours now: |
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The tax code just changed—again. Are you ready to lead the conversation? The One Big Beautiful Bill Act (OBBBA) includes sweeping tax changes—but for clients at or near retirement, it’s the planning implications that matter most. From Roth conversions to estate strategies, the rules have shifted—and most advisors haven’t caught up. That’s your edge. Join Ed Slott, CPA, and his team of IRA and tax experts for a fast-paced session focused on the most relevant OBBBA updates for retirement planning. Get actionable insight into what’s changed, what’s at risk, and what to do next—with a clear path to deeper client conversations and long-term tax savings. You’ll learn how to:
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Timely, Advanced Retirement Planning Education |
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For financial pros looking to gain a competitive advantage with their professional knowledge, subscribe to Ed Slott's IRA Advisor and our new Heather Schreiber’s Social Security Advisor monthly newsletters! |
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