The Plan Robert Built Over 37 Years: What Texas Retirees Get Wrong About RMDs, Beneficiaries, and the New Inheritance Rules
Robert Caldwell spent 37 years building a retirement that looked airtight on paper: a $1.9 million IRA, a paid-off McKinney home, and an estate plan naming his two adult children as equal beneficiaries. Then a 2026 review revealed a structural flaw that hadn't existed when the plan was written — because a federal law changed in 2019 and nobody told Robert.
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