204 Strategies to Mitigate the Impact of the 10-Year Rule
Finance & Business | Registration opens 12/2/25 9:00 AM EST
The SECURE Act’s elimination of the “stretch IRA” for most non-spouse beneficiaries has created new challenges. Under the 10-Year Rule, impacted beneficiaries must fully deplete inherited retirement accounts within a decade, often resulting in compressed distribution timelines and increased tax liabilities.
Using a variety of examples, Caroline will emphasize the core principle of paying taxes when rates are lowest to maximize after-tax legacy outcomes while also being aware of the impact each strategy could have on other facets of an individual’s financial life.
Caroline Friedrich
Caroline Friedrich, CFP®, CPA, is the founder of Hillvale Wealth Management, LLC, established in 2024. She specializes in retirement and tax planning, providing fiduciary investment advisory services and comprehensive financial planning. Caroline earned both her bachelor’s degree in accounting and her Master of Accountancy with a tax concentration from the University of Tennessee. She began her career in Big 4 public accounting, where she spent a decade advising high-net-worth individuals on tax compliance and planning strategies. She lives in Knoxville with her husband and their three young daughters.