Retirement & Estate Planning 

A rollover lets you move retirement funds into an IRA while keeping tax deferral. But mistakes—like taking a check in your name—can cause 20% withholding, taxes, and penalties. The safest choice is always a Direct Rollover (Trustee-to-Trustee transfer).

The SECURE Act 2.0 raises the RMD age, increases catch-up contributions, reduces penalties, and expands Roth options (including no lifetime RMDs for Roth accounts). It also allows $1,000 penalty-free emergency withdrawals, new emergency savings accounts, and up to $35,000 rollovers from 529 plans to Roth IRAs