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    November 9, 2019
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RETIREMENT PLANNING With Rob Ryan RYAN WEALTH MANAGEMENT CgYour Co INHERITING YOUR SPOUSE'S IRA If you inherit an IRA from a spouse,, you have the option of rolling the inherited IRA assets over into an IRA in your name. This option is only available to surviving spouses and is most effective if you do not need the funds immediately If your spouse had reached age 70 % , but you have not, this option also allows you to delay taking "required minimum distributions" (RMDs) until you reach age 70% (rather than continuing your spouse's RMDs). If you are under age 59 % and you need to access the inherited assets, you must pay a 10 percent"early withdrawal penalty "if you roll those assets into your own IRA and then take a distribution Our clients understand that managing their investments and retirement income is more complicated and time-consuming than ever before. At Ryan Wealth Management, we help our clients plan for retirement providing them with increased confidence in their investments. We follow a disciplined and evidence-based approach to balance risk and return, and believe that educating clients enables them to make informed decisions prior to retirement and during retirement Call us today to schedule a complimentary Second Opinion review. Surviving spouses of IRA owners who are under age 59% who need some or all of their spouses IRA assets immediately (or before attaining the age of 59%) may find that transferring assets to an inherited IRA makes the most sense. To contact Rob Ryan: (530) 671-2100 retire@ryanwealth.com www.ryanwealth.com Go to my website www.ryanwealth.com and request a Second Opinion analysis report! And help answer the question: "Will I outlive my money?" Rob Ryan is a Registered Representative ofering securities and advisory services throagh Reyal Alliance Associates, In., a registerad broker-dealer and registered investment advisor, Member FINRA, SIPC Additional advisory services, insurance and Estale Planning ofered through Ryan Wealth Management are independent of Reyal Alliance. Principal of Ryan Wealth Management, In. located at 463 Century Park Drive in Yuba City CA Insurance Lk, rocos959 RETIREMENT PLANNING With Rob Ryan RYAN WEALTH MANAGEMENT CgYour Co INHERITING YOUR SPOUSE'S IRA If you inherit an IRA from a spouse,, you have the option of rolling the inherited IRA assets over into an IRA in your name. This option is only available to surviving spouses and is most effective if you do not need the funds immediately If your spouse had reached age 70 % , but you have not, this option also allows you to delay taking "required minimum distributions" (RMDs) until you reach age 70% (rather than continuing your spouse's RMDs). If you are under age 59 % and you need to access the inherited assets, you must pay a 10 percent"early withdrawal penalty "if you roll those assets into your own IRA and then take a distribution Our clients understand that managing their investments and retirement income is more complicated and time-consuming than ever before. At Ryan Wealth Management, we help our clients plan for retirement providing them with increased confidence in their investments. We follow a disciplined and evidence-based approach to balance risk and return, and believe that educating clients enables them to make informed decisions prior to retirement and during retirement Call us today to schedule a complimentary Second Opinion review. Surviving spouses of IRA owners who are under age 59% who need some or all of their spouses IRA assets immediately (or before attaining the age of 59%) may find that transferring assets to an inherited IRA makes the most sense. To contact Rob Ryan: (530) 671-2100 retire@ryanwealth.com www.ryanwealth.com Go to my website www.ryanwealth.com and request a Second Opinion analysis report! And help answer the question: "Will I outlive my money?" Rob Ryan is a Registered Representative ofering securities and advisory services throagh Reyal Alliance Associates, In., a registerad broker-dealer and registered investment advisor, Member FINRA, SIPC Additional advisory services, insurance and Estale Planning ofered through Ryan Wealth Management are independent of Reyal Alliance. Principal of Ryan Wealth Management, In. located at 463 Century Park Drive in Yuba City CA Insurance Lk, rocos959