Got questions about how trusts interact with IRAs or life insurance? Drop them in the comments — I’ll answer them personally. TRUSTS, IRAs, & LIFE INSURANCE — WHAT MOST PEOPLE GET WRONG. I’m not here to say this post is wrong… But it’s definitely incomplete. And in the world of tax strategy and estate planning? Incomplete = missed opportunities. Let’s break it down: 🔹 IRAs + The SECURE Act. Before 2019: ➡️ Beneficiaries could “stretch” IRA distributions over their lifetime. After the SECURE Act? ➡️ Most now have to distribute everything within 10 years. But there’s a twist: Eligible Designated Beneficiaries (EDBs) still get lifetime stretch treatment. (Think spouses, minor children, chronically ill individuals, etc.). 🧨 If your trust is the beneficiary of your IRA? It usually kills the stretch. Which means: ❌ Less tax flexibility. ❌ Fewer strategic withdrawal options. ❌ Faster tax acceleration. 🔹 Life Insurance + Trusts. The original pos...