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
- Virtual anywhere in the US. In-person in the Houston area upon request.
- First step
- Complimentary intro call · 5–45 min
- Coordinates with
- Your CPA, Attorney, and Plan Administrator
01 · Who this is for
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're moving from a self-directed IRA back into a traditional structure.
- You're preparing for RMDs and want clean account organization first.
02 · What's included
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).
- Beneficiary form audit on every account.
- Backdoor Roth coordination, where appropriate.
03 · How the process works
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.
04 · Common questions
Plain-English answers.
Can I roll an inherited IRA?
A non-spouse beneficiary cannot roll an inherited IRA into their own IRA — it must remain titled as inherited. A spouse beneficiary has more options, including treating it as their own. We'd review which path is better for you.
What's the 10-year rule?
Most non-spouse beneficiaries who inherit an IRA from an account owner who died after 2019 must fully distribute it by December 31 of the 10th year after death. Whether annual RMDs are required during those years depends on whether the original owner was already taking RMDs.
Will moving my IRA cost me anything?
Most trustee-to-trustee transfers are no-cost. Some custodians charge a transfer-out fee (typically $50–$125). Investment products (annuities, B-share mutual funds) may have surrender charges; we check before submitting.
How many rollovers can I do per year?
Once-per-year limit applies to indirect IRA-to-IRA rollovers. Direct trustee-to-trustee transfers are unlimited and are how I almost always recommend doing it.
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