IRA Basics & Advanced Issues Seminar
IRA providers continue to adjust their procedures, forms, and communications to comply with recent law changes. The SECURE Act 2019, proposed RMD regulations, the SECURE 2.0 Act, final RMD regulations, and yet another round of proposed RMD regulations have created substantial and ongoing challenges. These changes affect nearly every aspect of IRA administration, including eligibility, funding, withholding, reporting, required minimum distributions, and inherited IRA distributions. And the IRS continues to issue guidance on these changes. So staying compliant while aiming at a moving target can be challenging.
Feel free to bring copies of your plan establishment kit and transaction forms.
When
Where
TBA Headquarters
203 W 10th St
Austin, TX 78701
UNITED STATES
Agenda
Join us for the IRA Basics course for a full-circle overview of IRAs and the associated rules. This course is perfect for those new to IRAs and is a helpful refresher and update for those needing to “unlearn” some old rules because of the many recent changes. During day one, we’ll provide you with a solid foundation of the basic IRA rules, both old (if still applicable) and new. We’ll also give a summary of the rules surrounding Health Savings Accounts (HSAs).
- Introduction to IRAs
- Establishing IRAs
- IRA contributions
– Traditional
– Roth
– Reporting and statements - IRA owner distributions
– Traditional (including required minimum distributions (RMDs))
– Roth (including the “ordering rules”)
– Reporting and statements - Inherited IRA fundamentals
- IRA-to-IRA transfers and rollovers
- Employer plan-to-IRA rollovers
- Overview of Health Savings Accounts
During day two, we move quicker. We review recent changes and point out rule changes that appear imminent. We’ll also focus on issues that create more errors or that arise less frequently, thereby causing staff stress and nervousness. After thoroughly examining the new rules and their impact on IRA owners, beneficiaries, and providers, we’ll discuss concrete steps your financial organization can take to help ensure ongoing compliance, while also providing top-notch customer service. We’ve built in time for attendees to share real-life scenarios from their experiences with clients and will work through them together during the sessions. We also allow ample time to discuss issues that trip you up the most.
- Legislative and regulatory update
- Tackling Inherited IRAs
– Best practices upon an IRA owner’s death
– Understanding the options available to IRA beneficiaries
– Spouse beneficiary decisions and factors that affect their choices
– Overview of trust beneficiaries
– Discussion of industry best practices (forms, client communications, policies, and procedures) - Portability deep-dive
– IRA-to-IRA transfers and rollovers
– Employer plan-to-IRA rollovers
– Roth IRA conversions - Plan document compliance
– Amendment overview
– Updating documents for newly established IRAs
– Amending existing IRAs - IRS and IRA owner reporting and withholding
– Review reporting models
– Electronic reporting: from FIRE to IRIS
– Reporting corrections
– Withholding requirements - Miscellaneous compliance issues
– Beneficiary disclaimers
– IRA escheatment and “missing” IRA owners and beneficiaries
– Powers of attorney
– Basic estate planning concepts
Everyone who is involved with IRA establishment, operations, and compliance. Whether you are looking to gain basic knowledge of IRAs, raise your comfort level, or sharpen your understanding of the rules and regulations, this two-day offering will cover it all. Even if you are brand new to IRAs, you can slide into the IRA Basics session to learn and retain critical concepts.
These courses offer something for all IRA professionals, from new hires to seasoned IRA pros.
• New account representatives,
• Certificate of deposit personnel,
• Savings counselors,
• Accountholder service representatives,
• Investment and trust personnel,
• Compliance officers, and
• Any other officers/managers who oversee IRA operations.
Registration (Both Days): 8:30 – 9:00 AM
Program (IRA Basics): 9:00 AM – 4:00 PM
Program (IRA Advanced): 9:00 AM – 3:00 PM
Lunch (Both Days): Noon – 1:00 PM
IN-PERSON OPTION: The registration fee includes a hard copy of the seminar materials, breakfast and lunch. For IRS reporting purposes, the food cost portion of your registration is pending approval.
VIRTUAL OPTION: Registrants will receive instructions in advance to access the online class and download the materials. Registrants will also have access to the session recordings and materials for 90 days.
IMPORTANT: Registration is per person and the seminar is priced accordingly. All attendees must be registered to ensure access to the program, materials and content.
CANCELLATION:
Cancellation/substitution requests must be made in writing. Email requests to education@texasbankers.com. Full registration fees will be refunded if written notice is received no later than January 19, 2026. Substitutions are permitted without penalty.
Nearby Hotels:
2026 Historic Driskill Hotel
Discount: $229 or 15% off best available rate when published rate is below $229
Available to all staff, clients, contractors and retires. No Identification required
When booking online, Select Corporate or Group Code in the booking tool and enter 39833
The link below automatically inputs the company code into the booking tool so you can simply choose the “book” button when on the Hotel webpage.
Book Online Here
The Stephen F. Austin Royal Sonesta
📌 Rate Code: BTR
📌 Booking Link: Booking Link – BTR
Texas State Board of Public Accountancy: 7 CPE credit hours/day. There are no educational prerequisites.
ABA Professional Certifications: Application for CE credit review is pending approval. Once we receive notification of the credit approval, we will notify attendees.
Presenter
Ben Norquist
Ben is the co-founder and CEO of Convergent. While still not certain how he ended up working in the financial services industry, it wasn’t long after starting in the 1980s that Ben—an individual with a life-long passion for learning and problem solving—discovered federal retirement law was one of those gifts that seems to keep on giving. While Ben readily admits that his tolerance for undue regulatory complexity has waned considerably over the years, his passion for discovering real-world solutions to retirement industry challenges and opportunities continues to grow.