Matt Curfman & Ed Slott – April 2026

In April, members of our advisory team traveled to Las Vegas for the Spring 2026 Ed Slott Elite IRA Advisor Group℠ workshop to stay current on retirement planning and tax law changes affecting retirees and pre-retirees today.

The training covered topics like inherited IRA rules, Roth conversion considerations, required minimum distributions, and recent retirement legislation changes.

A lot of the discussion centered around how quickly retirement rules continue to change and how those changes can affect real-life planning decisions over time.

What made sense several years ago may deserve another look today. Tax laws evolve. Family dynamics shift. Priorities change in retirement. And sometimes decisions people made years earlier around beneficiaries, distributions, or taxes can create unintended consequences later if they haven’t been revisited in a while.

One topic that came up repeatedly during the workshop was today’s tax environment and the planning opportunities it may create for some retirees. Ed Slott spoke about how recently extended lower tax rates may create a limited planning window for certain tax strategies, including Roth conversion conversations in the right situations.

That discussion reinforced how important it can be to periodically revisit retirement and tax planning decisions as rules continue to evolve over time.

The workshop included conversations around:

• Roth conversion considerations
• Updated inherited IRA rules
• Required minimum distribution (RMD) regulations
• Retirement account changes scheduled for 2026
• Tax considerations tied to retirement income
• Differences between IRA and employer retirement plan rules

One discussion that especially stood out focused on how certain planning decisions can become harder to adjust later in life if they have not been reviewed in many years, particularly during periods of health or cognitive decline. It was a good reminder that retirement planning is rarely about making one perfect decision. More often, it involves continuing to revisit important pieces as life changes over time.

At Richmond Brothers, ongoing education is an important part of how we care for our family of clients. The retirement planning world continues to shift, and we believe staying current helps support more thoughtful conversations with the families we serve. It’s also why one of our core values is: We commit to lifelong learning & relentless improvement.

For many families, retirement planning decisions around beneficiaries, IRA distributions, Roth conversions, or taxes were originally made years ago under a very different set of rules. Revisiting those decisions periodically can help make sure everything still aligns with your goals, priorities, and today’s retirement landscape.

If you’ve recently experienced a life change, inherited an IRA, retired, or simply haven’t reviewed parts of your plan in a while, it may be a good time to revisit those conversations. For many families, retirement planning is less about making one major decision and more about continuing to adjust as life and the rules around retirement continue evolving.

This communication is intended for educational purposes only and should not be construed as individualized tax, legal, or investment advice. Richmond Brothers is an SEC-Registered Investment Adviser. Please consult with your tax or legal professional regarding your specific situation.