The SECURE Act of 2019 and the SECURE 2.0 Act of 2022 introduced sweeping reforms affecting required minimum distributions, inherited retirement accounts, Roth treatment, charitable giving strategies, and early withdrawals. These changes significantly alter long‑established retirement distribution planning techniques and require tax professionals to update their advisory and compliance practices. The session covers the end of the stretch IRA, updated RMD ages, the interaction of Roth accounts with the 10 year payout rule, expanded EPCRS correction options, and distribution strategies that leverage current tax brackets and inflationary pressures. Participants will gain actionable insights to help clients control future tax liabilities, avoid costly penalties, and make informed decisions regarding IRA and retirement plan withdrawals.