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URL:https://www.learndesk.us/class/6247818232594432/lesson/43714e8a7c361068e757bb0978f44630?ref=outlook-calendar
SUMMARY:Unit 5 - Playing the Back Nine
DTSTART;TZID=America/Los_Angeles:20260405T190000
DTEND;TZID=America/Los_Angeles:20260405T200000
LOCATION:https://www.learndesk.us/class/6247818232594432/lesson/43714e8a7c361068e757bb0978f44630?ref=outlook-calendar
DESCRIPTION: 
Like a golf course:

Front nine is helping accumulate money
Back nine is getting money out efficiently to maintain the standard of living.

With respect to tax efficiency and distribution planning
Developing strategies for taking the money out (taxable, tax-deferred, and tax-free money) considering personal circumstances, to economic and political forces that drive interest rates and taxation
Example: Roth vs. taxable account. RMD distributions




Recent changes…
The Secure Act
There were several significant changes that occurred as a result of the SECURE Act passed in late 2019.
The first was the elimination of the “stretch” provision for non-spouse beneficiaries.  What once used to be the ability to “stretch” the required distribution over a non-spouse beneficiary’s lifetime, has now been reduced to 10 years (following the year of the date of death).  This still represents a significant planning opportunity.
The second major change as it affects this course is the age at which...

https://www.learndesk.us/class/6247818232594432/lesson/43714e8a7c361068e757bb0978f44630?ref=outlook-calendar
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