Trusts, Estates & Probate

4.27

Planning for IRAs and Retirement Assets: Mistakes to Avoid

Credits Available
Credit Status Total
Alaska CLE Reciprocity 6 Total
Alabama CLE Approved 6 Total
Arkansas CLE Approved 6 Total
Arizona CLE Approved 6 Total
California CLE Approved 6 Total
Colorado CLE Approved 7 Total
Connecticut CLE Approved 6 Total
Delaware CLE Approved 6 Total
Florida CLE Approved 7 Total
Georgia CLE Approved 6 Total
Hawaii CLE Approved 6 Total
Iowa CLE Approved 6 Total
Idaho CLE Approved 6 Total
Illinois CLE Approved 6 Total
Indiana CLE Approved 6 Total
Kansas CLE Approved 7 Total
Kentucky CLE Approved 6 Total
Louisiana CLE Approved 6 Total
Maine CLE Approved 6 Total
Minnesota CLE Approved 6 Total
Missouri CLE Approved 6 Total
Northern Mariana Islands CLE Approved 6 Total
Mississippi CLE Approved 6 Total
Montana CLE Approved 6 Total
North Dakota CLE Approved 6 Total
Nebraska CLE Approved 6 Total
New Hampshire CLE Approved 6 Total
New Mexico CLE Approved 6 Total
Nevada CLE Approved 6 Total
New York CLE Approved 7 Total
Ohio CLE Approved 6 Total
Oklahoma CLE Approved 7 Total
Oregon CLE Approved 6 Total
Pennsylvania CLE Approved 6 Total
Rhode Island CLE Upon Request 6 Total
South Carolina CLE Approved 6 Total
Tennessee CLE Approved 6 Total
Texas CLE Approved 6 Total
Utah CLE Approved 6 Total
Virginia CLE Approved 6 Total
Vermont CLE Approved 6 Total
Washington CLE Approved 6 Total
Wisconsin CLE Approved 7 Total
West Virginia CLE Approved 7.2 Total
OnDemand
6 hours
Wallace Nichols
Jessica Diaz
Barb Wroblewski
Michael Delaney
Biagio Musto
Robert Keyser
With Wallace R. Nichols from Asset Guidance Group, LLC + 5 others
Recorded September 10, 2025.
Product ID 100805

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Overview

Prevent Pitfalls, From Contributions and Beneficiary Designations to RMDs and Trusts

The SECURE Acts have changed the way we treat retirement assets in estate planning, and mistakes are likely. This course reviews top problem areas of IRA planning: from beneficiary designations through creditor claims and tax consequences. Register today!

  • Weigh the unique advantages and limitations inherent in different retirement accounts.
  • Prevent missed RMDs and other distribution mistakes (and correct those already made).
  • Identify and prevent key mistakes in beneficiary designations.
  • Avoid improper use of trusts as beneficiaries.
  • Get legal ethics guidance from attorneys who practice in this field.

Abbreviated Agenda

  1. Misunderstanding the Nature of the Retirement Assets
  2. Overlooking Important Dates and Contribution Rules
  3. Misuse of Spousal Rights and Rollover Options in Retirement Plans
  4. Improper Beneficiary Designations
  5. Distributions Pitfalls
  6. Improper Use of Trusts
  7. Failure to Coordinate With Overall Estate Plan
  8. Inherited IRAs in Estate Administration
  9. Creditor Claims Against Retirement Assets
  10. Ethics in Estate Planning Practice
Product ID 100805

Credit Details

Credits Available
Credit Status Total
Alaska CLE Reciprocity 6 Total
Alabama CLE Approved 6 Total
Arkansas CLE Approved 6 Total
Arizona CLE Approved 6 Total
California CLE Approved 6 Total
Colorado CLE Approved 7 Total
Connecticut CLE Approved 6 Total
Delaware CLE Approved 6 Total
Florida CLE Approved 7 Total
Georgia CLE Approved 6 Total
Hawaii CLE Approved 6 Total
Iowa CLE Approved 6 Total
Idaho CLE Approved 6 Total
Illinois CLE Approved 6 Total
Indiana CLE Approved 6 Total
Kansas CLE Approved 7 Total
Kentucky CLE Approved 6 Total
Louisiana CLE Approved 6 Total
Maine CLE Approved 6 Total
Minnesota CLE Approved 6 Total
Missouri CLE Approved 6 Total
Northern Mariana Islands CLE Approved 6 Total
Mississippi CLE Approved 6 Total
Montana CLE Approved 6 Total
North Dakota CLE Approved 6 Total
Nebraska CLE Approved 6 Total
New Hampshire CLE Approved 6 Total
New Mexico CLE Approved 6 Total
Nevada CLE Approved 6 Total
New York CLE Approved 7 Total
Ohio CLE Approved 6 Total
Oklahoma CLE Approved 7 Total
Oregon CLE Approved 6 Total
Pennsylvania CLE Approved 6 Total
Rhode Island CLE Upon Request 6 Total
South Carolina CLE Approved 6 Total
Tennessee CLE Approved 6 Total
Texas CLE Approved 6 Total
Utah CLE Approved 6 Total
Virginia CLE Approved 6 Total
Vermont CLE Approved 6 Total
Washington CLE Approved 6 Total
Wisconsin CLE Approved 7 Total
West Virginia CLE Approved 7.2 Total
Select Jurisdiction
CLE

Agenda

All times are shown in
  1. Misunderstanding the Nature of the Retirement Assets

    1. IRAs: Traditional, Roth, Rollover, Inherited
    2. 401(k)s
    3. Other Defined Benefit Plans
    4. Annuities
  2. Overlooking Important Dates and Contribution Rules

  3. Misuse of Spousal Rights and Rollover Options in Retirement Plans

    1. Differences Between Common Law and Community Property States
    2. Spousal Rights in ERISA Plans
  4. Improper Beneficiary Designations

    1. Tax and Life Expectancy Considerations
    2. Common Beneficiary Mistakes That Derail Brilliant Plans
    3. Retirement Benefits Left to Disabled Beneficiaries
  5. Distributions Pitfalls

    1. RMD Rules
    2. Planning Lifetime Distributions
    3. Planning for Distributions of Inherited IRAs
  6. Improper Use of Trusts

  7. Failure to Coordinate With Overall Estate Plan

  8. Inherited IRAs in Estate Administration

    1. Post-Mortem Transfers
    2. Disclaimers
    3. Clark v. Rameker Implications
    4. IRA Trusts and IRA Trust Administration
  9. Creditor Claims Against Retirement Assets

  10. Ethics in Estate Planning Practice

    1. Who is Your Client?
    2. Attorney Fees
    3. Protecting Confidentiality
    4. Avoiding Fraudulent Transfers
    5. UPL Issues
    6. Multi-Jurisdictional Practice of Law
    7. Fiduciary Duty to the Client in the Context of Estate Planning

Who Should Attend

This legal course is designed for attorneys. It will also benefit accountants, CPAs, trust officers, tax professionals, financial advisors, and paralegals looking to increase their knowledge of IRA planning techniques.

Speakers

Wallace R Nichols
Wallace R.
Nichols
Asset Guidance Group, LLC
Jessica R Diaz
Jessica R.
Diaz
Taft Law
Barb A Wroblewski
Barb A.
Wroblewski
Wroblewski & Gawrych Law Office
Michael Delaney
Michael
Delaney
Arboretum Wealth & Trust Management
Biagio V Musto II
Biagio V.
Musto, II
Musto Law Office
Robert B Keyser II
Robert B.
Keyser, II
Robert B. Keyser II, LLC
Speaker bio
Wallace R Nichols

Wallace R. Nichols

Asset Guidance Group, LLC
Wallace Nichols

, Esq., MBA, JD, CFP®, is the Founder and Principal of Asset Guidance Group, LLC, a registered investment advisory firm based in Roswell, Georgia, established in January 2012. With over 30 years of legal practice since his first licensure in 1993, Mr. Nichols is an accomplished estate planning attorney licensed in the federal and state jurisdictions of Arizona, the District of Columbia, and Georgia, including bankruptcy courts. His practice focuses on estate planning and elder law, expertly integrating traditional finance with digital asset strategies, such as Bitcoin and Ethereum, to address client concerns like inflation, taxes, and potential Social Security reductions for those aged 55 and older. Holding an MBA from Texas Tech University, a J.D. from the University of New Mexico, and a B.S. from Angelo State University, Mr. Nichols also carries FINRA Series 7 and 66 licenses and is registered as an investment advisor with the SEC and Georgia Secretary of State. As a financial and legal educator, he publishes market insights under "The Lighthouse" on assetguidancegroup.Substack.com, leveraging his extensive experience in macroeconomic trends, forex, and cryptocurrencies to empower a national clientele amid the Trump Administration's deregulatory landscape.

Speaker bio
Jessica R Diaz

Jessica R. Diaz

Taft Law
Jessica Diaz

is a partner at Taft Law, where she concentrates her practice on sophisticated estate, tax, and business succession planning. She works closely with individuals and families to craft customized strategies that align wealth transfer techniques with unique family values and dynamics. Ms. Diaz's work spans a broad range of services, including estate and trust administration, business, marital and charitable planning, and fiduciary counseling. She also handles contested estate and trust matters such as will and trust contests, trust reformations, construction actions, and breach of fiduciary duty claims. Ms. Diaz has deep experience in charitable planning, advising on giving strategies, and assisting nonprofit and tax-exempt organizations throughout their formation, operation, and restructuring. Ms. Diaz was a fellow of the American Bar Association’s Real Property, Trust and Estate Law Section; and is also a member of the Colorado Bar Association and Denver Bar Association. She is admitted to practice in Colorado and previously practiced in Illinois. Ms. Diaz earned her J.D. degree from the University of Chicago Law School and her M.B.A. degree from the University of Chicago Booth School of Business. She also holds an M.A. degree in elementary education from Loyola Marymount University and a B.A. degree in psychology from Northwestern University.

Speaker bio
Barb A Wroblewski

Barb A. Wroblewski

Wroblewski & Gawrych Law Office
Barb Wroblewski

is a partner with Wroblewski & Gawrych Law Office, where she practices in the areas of elder law, estate planning, guardianships/conservatorships, probate, and real estate. Ms. Wroblewski is admitted to practice in Nebraska. She is a member of the Nebraska State Bar Association. Ms. Wroblewski earned her B.S. Ed degree from the University of Nebraska at Kearney and her J.D. degree from the University of Nebraska at Lincoln.

Speaker bio
Michael Delaney

Michael Delaney

Arboretum Wealth & Trust Management
Michael Delaney

serves as a vice president and business development officer with Arboretum Wealth & Trust Management, where he focuses on estate and trust administration. He brings over two decades of estate planning and elder law experience to his role, having practiced law since 2000. Before joining Arboretum in 2025, Mr. Delaney co-founded DDV Law, Ltd., a boutique elder law firm, where he developed a deep understanding of the complex legal and personal issues facing aging individuals and their families. His extensive background as a Certified Elder Law Attorney (CELA) allows him to provide meaningful support to attorneys and beneficiaries navigating the administration process. Mr. Delaney earned his B.A. degree from the University of Illinois and his J.D. degree from Lewis & Clark Law School. He is licensed to practice before the Illinois Supreme Court, Northern District of Illinois Trial Bar and Seventh Circuit Court of Appeals Appellate Bar. Mr. Delaney is a past chairperson of the Chicago Bar Association’s Elder Law Section and a former board member, treasurer, marketing chair, and president of the National Elder Law Foundation. He also remains active in the National Academy of Elder Law Attorneys and the Chicago Bar Association Probate Law Forms Committee. A frequent speaker and thought leader, Mr. Delaney has contributed to Illinois Jurisprudence, published by LexisNexis and co-authored Ethics in Elder Law. He has presented at leading legal conferences on topics including elder abuse protection and the use of artificial intelligence in elder law practice. Outside of work, Mr. Delaney is passionate about woodworking, kayaking, golfing, classic cars and software engineering. He is also an avid cook and public speaker with a personal interest in game theory. Mr. Delaney lives by the philosophy expressed in his favorite quote: “You miss 100 percent of the shots you never take.”

Speaker bio
Biagio V Musto II

Biagio V. Musto, II

Musto Law Office
Biagio Musto

is a solo practitioner at Musto Law Office, where he focuses his practice on elder Law; estate planning and administration; personal injury; workers' compensation; adoptions; and bankruptcy. Mr. Musto was awarded an academic scholarship by Marywood based on academic excellence, and was awarded Dean's List honors throughout his undergraduate career based on academic achievement. He is a member of the Luzerne County Bar Association and Pennsylvania Bar Association (member, Elder Law Section). Mr. Musto earned his J.D. degree from The Dickinson School of Law and is admitted to practice law in Pennsylvania.

Speaker bio
Robert B Keyser II

Robert B. Keyser, II

Robert B. Keyser II, LLC
Robert Keyser

is the founding member of the estate, tax and business planning boutique firm, Robert B. Keyser II, LLC, based in Colorado Springs, Colorado. He provides counsel in the areas of income, estate and gift tax planning, and business planning to high-net-worth individuals and families. Mr. Keyser prepares advanced estate planning documents; such as qualified personal residence trusts, family limited partnerships, life insurance trusts, generation skipping trusts, charitable trusts, private foundations, grantor retained annuity trusts, intentionally defective grantor trusts, and complex wills. He handles various business transactional matters requiring the preparation of agreements for stock redemption, mergers, employment, stock buy-sell, partnership and limited liability company arrangements, non-qualified plans, and trusts. Mr. Keyser taught business law and accounting at the University of Colorado's Colorado Springs campus from 2004 to 2017. He earned his B.A. degree from Colorado University, his J.D. degree from the University of Denver College of Law and his LL.M. degree in taxation from the University of Denver Graduate Tax Program.

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