31 stories this week 194 in all, from the Advisors desk.
A 2026 death gives a non-eligible designated beneficiary a 10-year window running 2027 through 2036.
32.5 factorAge-50 stretch divisor: 32.5 in year 1, then 1.0 lower each year · IRS Single Life Expectancy Table via Ed Slott's IRAHelp
The same mailbag walks a 71-year-old through moving a Vanguard IRA to Fidelity and converting part of it, noting the RMD rule that applies later.
The survey of 1,000 adults also found 23% believe Medicare is free; Fidelity projects $185,000 in retirement medical costs, excluding long-term care.
The report counts 133.4 million U.S. households holding $102.4 trillion in investable assets, with the allocation decision most contested among households with $100,000 to under $3 million.