Beneficiary Options After SECURE 1.0 and 2.0: What We Have Learned and How Advisors Should Adjust

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Includes a Live Web Event on 10/28/2026 at 12:00 PM (MDT)

Post-death IRA distribution planning has become increasingly complex, requiring advisors to correctly classify beneficiaries, determine whether life expectancy payouts or the 10-year rule applies, and apply the required beginning date (RBD) framework to calculate annual distributions. This session provides a practical, repeatable advisor framework for evaluating spousal beneficiary options and improving the accuracy and compliance of post-death IRA administration.

Competency Level: Intermediate
FPA Competency: Critical Thinking
CFP Board Topic: Retirement Savings and Income Planning
CFP Board CE Credit Hours: TBD

Denise Appleby, MS, CISP, CRC, CRPS, CRSP, APA

CEO, Appleby Retirement Consulting, Inc.

Denise is CEO of Appleby Retirement Consulting Inc., a firm that provides IRA resources for financial/ tax/legal professionals. She has over 20 years of experience in the retirement plans field, which includes training and technical consultation.

Denise writes and publishes educational /marketing tools for advisors; available at http://irapublications.com. Denise co-authored several books on IRAs
Denise is a graduate of The John Marshall Law School, where she obtained a Masters of Jurisprudence in Employee Benefits, and has earned 5 professional retirement designations.

She has appeared on numerous media programs, sharing her insights on retirement tax laws.