SECURE Act Planning

Indiana attorney helping clients plan for the
SECURE Act and retirement inheritance strategies

Retirement Planning Isn’t
One-Size-Fits-All Anymore

Why This Planning Matters
More Than Ever

Under the SECURE Act, most non-spouse beneficiaries must now withdraw inherited IRAs within 10 years, which can create unexpected tax burdens. We help you plan around these changes so your heirs are prepared, protected, and not overwhelmed by financial surprises.

Let’s Update Your Plan for Today’s Rules

Reviewing existing trusts to ensure compliance
Updating beneficiary designations on IRAs and 401(k)s
Minimizing tax consequences for your heirs
Creating strategies for non-eligible designated beneficiaries
Coordinating retirement accounts with your estate plan
Planning for charitable giving, if desired

Helping You Plan Smarter,
Not Just Safer

The SECURE Act brought big changes to retirement planning, but you don’t have to navigate it alone. We’ve helped Indiana families protect what matters most: loved ones, financial stability, and peace of mind.

We take the time to explain what’s changed, why it matters, and your options. Whether you’re updating a trust, naming beneficiaries, or creating a new plan, we’ll help you make confident, informed choices for the future.

3 FAQs for
SECURE Act Planning

What changed with the SECURE Act?

Most non-spouse beneficiaries of retirement accounts must now withdraw the full amount within 10 years, which can trigger higher taxes without the right planning.

Do I need to update my trust or estate plan?

Yes, especially if your current trust was designed to stretch IRA distributions over a lifetime. Those plans may no longer be effective under the new law.

Can I avoid the 10-year payout rule?

In some cases. Certain beneficiaries, like a spouse or a disabled child, are exempt. We can help you review your options and plan accordingly.

    
 
 
         
   Mallory Curran 
 
 
 
 Trustindex verifies that the original source of the review is Google. 
  
 
        
   Kari McColley 
 
 
 
 Trustindex verifies that the original source of the review is Google. Amy and her team are amazing
  
 
        
   Linda Kraiko 
 
 
 
 Trustindex verifies that the original source of the review is Google. Very professional! We set up a living trust for our family. We filled out the trust packet and then met with the attorney.  In two weeks, we executed/signed the paperwork and then began the process of moving all of our assets to the Living Trust. The staff explained everything to us, and the material they supplied us made the process understandable and easy! We highly recommend this organization for estate planning.. Thank you!
  
 
        
   Edward Rice 
 
 
 
 Trustindex verifies that the original source of the review is Google. 
  
 
        
   Matthew Dunn 
 
 
 
 Trustindex verifies that the original source of the review is Google. 
  
 
        
   Gunner Krunch 
 
 
 
 Trustindex verifies that the original source of the review is Google. Seemed very knowledgeable  when dealing with elderly issues.
We were explained the laws and options so it could easily be understood.
The people we met there were personable and understanding. Highly recommend
  
 
        
   Keith Jorgensen 
 
 
 
 Trustindex verifies that the original source of the review is Google. The team at O’Drobinak & Nowaczyk is OUTSTANDING. They were extremely thorough with our Will & Living Trust. Amy Nowaczyk is extremely knowledgeable and her passion for elder and family law is clear. I also found her views on work/life balance refreshing in the legal field, and the team around her has a family feel, which we think is important for a firm that specializes in family law. My wife and I are younger, but were explained clearly all the benefits of doing these critical documents now, and Amy will change them with us as our goals and situations change. I love the pricing structure and would STRONGLY recommend anyone at any age at least meet with them to see what their options are regardless with far away they may seem.
  
 
        
   Brittany Brown-Davis 
 
 
 
 Trustindex verifies that the original source of the review is Google. Knowledgeable staff with advancements in the way they provide care to their clients. Whether you are trying to assist a loved one begin the healthcare maze and need support and guidance or need an estate plan to protect your legacy, O & N is your one stop shop. Great team in both Northwest Indiana and Lafayette!
  
 
        
   Debby ***** 
 
 
 
 Trustindex verifies that the original source of the review is Google. Called to get advice on something and they were very helpful!

SECURE Act Planning

Indiana attorney helping clients plan for the
SECURE Act and retirement inheritance strategies

Retirement Planning Isn’t
One-Size-Fits-All Anymore

What the SECURE Act
Means for Your Estate Plan

We Help Indiana Families
Adjust with Confidence

Why This Planning Matters
More Than Ever

Let’s Update Your Plan for Today’s Rules

Helping You Plan Smarter,
Not Just Safer

3 FAQs for
SECURE Act Planning

Let’s Make Sure Your Plan Still Works. Schedule Your SECURE Act Review Today.

SECURE Act Planning

Indiana attorney helping clients plan for the SECURE Act and retirement inheritance strategies

Retirement Planning Isn’t One-Size-Fits-All Anymore

What the SECURE Act Means for Your Estate Plan

We Help Indiana Families Adjust with Confidence

Why This Planning Matters More Than Ever

Let’s Update Your Plan for Today’s Rules

Helping You Plan Smarter, Not Just Safer

3 FAQs for SECURE Act Planning

Let’s Make Sure Your Plan Still Works. Schedule Your SECURE Act Review Today.

Indiana attorney helping clients plan for the
SECURE Act and retirement inheritance strategies

Retirement Planning Isn’t
One-Size-Fits-All Anymore

What the SECURE Act
Means for Your Estate Plan

We Help Indiana Families
Adjust with Confidence

Why This Planning Matters
More Than Ever

Helping You Plan Smarter,
Not Just Safer

3 FAQs for
SECURE Act Planning