Financial Education | The Top 16 IRA Rules You Must Know

According to estimates by the Investment Company Institute and Federal Reserve Board, total US retirement assets were $39.9 trillion as of March 31, 2024, up 4.3 percent from December 2023. Retirement assets accounted for 33 percent of all household financial assets in the United States at the end of March 2024. Unfortunately, retirement accounts are different from regular non-retirement accounts, and they are subject to many different types of taxes and penalties upon death, which is often referred to as the “triple tax syndrome”. Although many individuals have established complex planning strategies, such as revocable living trusts, irrevocable life insurance trusts, etc., many have not addressed the complex tax and estate planning issues of retirement accounts.

At this workshop, the presenter will go through the top 16 IRA rules you must know to avoid your retirement accounts being annihilated by the tax man. A sample of the rules include:

• Outstanding rollovers, transfers and QLACs
• 5-year rule confusion after death
• Creditor/bankruptcy protection of IRAs
• Year of death distribution. Who takes it?
• The two different 5-year rules for Roth IRAs
• Spousal beneficiary designation for IRA and company plans. How they are different?
• And more

Registration is free and required.

Comments from past workshop attendees:

“Mr. Lau is a skilled speaker and presenter. I enjoy his seminars and videos!” - Doug H.

“Very informative. I wish I had taken this seminar earlier.” - Carol O.

Presented in collaboration with the San Mateo Public Library.

John is a Certified Public Accountant (CPA) and a Certified Financial Planner (CFP®) professional. John is a Principal and Managing Director at Robertson Stephens’ San Ramon and Burlingame offices in the San Francisco Bay Area. John and his team specialize in retirement distribution planning, serving clients in or near retirement. John’s team uses a total-solution approach to planning, including income tax reduction, estate conservation, portfolio management, and retirement distribution planning.

Disclosure:

Investment advisory services offered through Robertson Stephens Wealth Management, LLC (“Robertson Stephens”). © 2025 Robertson Stephens Wealth Management, LLC. All rights reserved. Robertson Stephens is a registered trademark of Robertson Stephens Wealth Management, LLC in the United States and elsewhere.

Securities offered through Fortune Financial Services, Inc. Member FINRA/SIPC. Robertson Stephens Wealth Management, LLC and Fortune Financial Services, Inc. are separate entities and are not affiliated.

Endorsements were not given by clients of Robertson Stephens Wealth Management, LLC. Endorsements may not be representative of the experience of customers and do not guarantee future performance or success.

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