A Safer Retirement and Environment – What We’re Implementing to Help Keep You Safe: READ MORE

Here at Chadmere Capital Inurance and Financial Services, we are adhering to state and local guidelines in order to protect both the health and safety of clients and staff. Keeping our clients and staff safe is our highest priority and we’re taking all appropriate measures to ensure a safe environment. Should you prefer to not meet face-to-face, we are continuing to serve our clients through virtual settings such as Zoom or phone calls.

We look forward to continuing to help individuals and families achieve their ideal retirements.

Chademere Capital Insurance and Financial Services
(803) 285-0060



By Sarah Brenner, JD
IRA Analyst


My dad was 86 when he died and I inherited half of his IRA, which I elected to stretch.  Am I correct in thinking that since I am not yet 70 ½, I am not allowed to direct qualified charitable distributions (QCDs) from this IRA?  Please advise.

Thanks, Ron.


Hi Ron,

You are correct. Beneficiaries can do QCDs, but to be eligible the beneficiary must be age 70 ½. If you have not yet reached that age, you may not do a QCD.


We have not been able to find a clear answer on this…

If a non-spouse beneficiary inherits an IRA and is bound by the new 10-year rule and passes away within the 10 years, is the successor beneficiary bound by the original 10-year timeframe?  Does the account still need to be emptied by the end of the 10th year of the original owner’s death?



Hi Mike,

The SECURE Act is only a little over two months old and there are still a lot of questions about the details. We will need guidance from the IRS to clarify some of these issues. While it is not completely clear, an analysis of the SECURE Act provisions leads us to believe that if a beneficiary dies within the 10-year payout period, a successor beneficiary would not get an additional 10-year period. Instead, the account would need to be emptied within whatever time remains of the original beneficiary’s 10-year period.


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Investment advisory services offered through Foundation Investment Advisors, LLC, a SEC-Investment Advisor Representative. Foundation Investment Advisors, LLC does not provide legal or tax advice. Investment Advisor Representatives of Foundation Investment Advisors, LLC may only conduct business with residents of the states and jurisdictions in which they are properly registered or exempt from registration requirements. Insurance and annuity products are sold separately through Chadmere Captial. Securities transactions for Foundation Investment Advisors, LLC clients are placed through TD Ameritrade.