Consolidate and simplify, without surprises.
Whether you're consolidating old employer plans, moving an IRA to better-suited custody, or handling an inherited IRA under post-SECURE-Act rules, the mechanics matter. I walk you through the options and handle the paperwork once you decide.
At a glance
- Best for
- Multiple IRAs, inherited IRAs, or post-rollover cleanup
- Format
- In-person Houston · Virtual where licensed
- First step
- Complimentary intro call · 5–45 min
- Coordinates with
- Your CPA, attorney, plan administrator
Situations I see most often.
- You've inherited an IRA after 2019 and need to understand the 10-year rule.
- You hold three or four scattered IRAs and want them consolidated.
- You have a basis in non-deductible contributions and need pro-rata tracking preserved.
- You're moving from a self-directed IRA back into a traditional structure.
- You're preparing for RMDs and want clean account organization first.
What the engagement covers.
- Trustee-to-trustee transfers (no withholding mistakes).
- Inherited IRA rules walkthrough — eligible designated beneficiary, 10-year rule, RMDs.
- Roth IRA management (5-year rules, ordering of withdrawals).
- IRA-to-IRA consolidation with basis tracking preserved.
- Beneficiary form audit on every account.
- Backdoor Roth coordination, where appropriate.
A measured approach, in clear steps.
Inventory
List every IRA, the custodian, the contribution type (pre-tax, Roth, after-tax), and the current beneficiary.
Consolidation plan
Identify which accounts to keep separate (e.g., inherited vs. own) and which to combine, and why.
Transfer
Submit the transfer requests, monitor settlement, and confirm cost-basis transfers cleanly.
Position
Set allocations and beneficiaries; schedule any automatic contributions or RMDs.
Document
You receive a one-page summary of what changed and why, for your records.
What changed under SECURE Act 2.0.
Most non-spouse beneficiaries who inherit an IRA after 2019 must distribute it within 10 years. Some are required to take annual RMDs during that window, others aren't. The rules are nuanced and the IRS has issued multiple rounds of guidance. Getting this wrong is expensive — it's worth a careful conversation.
Plain-English answers.
Can I roll an inherited IRA?
What's the 10-year rule?
Will moving my IRA cost me anything?
How many rollovers can I do per year?
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A few plain-English notes that connect to this service. Use them as background before our first conversation, or skip ahead.
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Let's talk about your situation,
not a generic plan.
The first conversation is complimentary — anywhere from 5 to 45 minutes, your call. No pitch, no pressure. We'll cover what you have, what concerns you, and whether working together makes sense.