Please note that Portnoff Financial has joined with Tempus Wealth Planning and some information here may no longer be applicable. Please contact Jeremy Portnoff at 949-226-8342 (CA) or 732-226-3113 (NJ) for additional information.  We apologize for any confusion while we are in transition. 

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The Spousal IRA Beneficiary Decision Tree

When you’re grieving the loss of a spouse, questions about how their financial assets will be passed on to you may be the last thing on your mind. But if your husband or wife was the owner of an IRA, there are important decisions you will need to make about your inheritance.

It’s critical that you understand the options available so that you can make the most out of your assets. In the document below, there are a series of questions that can help guide you through your decision making process. 

Click here to download “The Spousal IRA Beneficiary Decision Tree.”

Here are a few factors that will effect the options that you have and the decision you will need to make. You may not know the answers to all of these questions right now, but in order to use the “The Spousal IRA Beneficiary Decision Tree.” effectively, you'll need to be able to answer all of the questions below:

  • The age of you and your spouse at the time of passing.
  • What matters most to you right now in terms of this inheritance?
  • Would you prefer avoiding penalties?
  • Do you plan to give this inheritance to your beneficiaries?
  • Would you like to delay the rollover?

It can be difficult to understand your options and what is best for your unique situation. In order to make the best decision to protect your assets and the assets of your loved ones, it is best to consult with an experienced advisor that will put your needs first.

Click here to schedule your free, no-obligation Introductory Call with Portnoff Financial.




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