If you have inherited an IRA in recent years, there is an important rule change to be aware of: most beneficiaries are now required to take annual Required Minimum Distributions (RMDs) even if the full account must be emptied within 10 years.

We’ve been nominated for the Encinitas Best of North County Award. Learn more at IndependentWealthSolutions.com

Good news, teachers, firefighters, police officers, and other public employees! A new law just got passed that could put more money in your pocket when you retire.

The State Teachers Retirement System (STRS) is a pension program that provides retirement, disability, and survivor benefits for educators and public school employees. STRS operates in multiple states, each system having unique policies and structures.

he Golden Handshake program could significantly enhance your retirement benefits, offering you additional service credit years that can substantially increase your pension – potentially adding thousands to your annual retirement income.

At Independent Wealth Solutions, we're committed to keeping you informed about important changes that could impact your retirement strategy. For 2025, updates to catch-up contribution rules may present new opportunities for your financial plan.

Types of Trusts and How They Work

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Frustrated with current 401(k) options? IWS now offers custom plans benefiting businesses and employees alike.

IWS now offers 401k plans.

Independent Wealth Solution wins the 2023 Best of Encinitas Award

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Why your 403(b) retirement savings plan is important