If you have an IRA. If you have a 401(k).If you worked for 30 or 40 years and quietly built something meaningful. This matters to you. Many people looking to retire in the next 4-10 years have the majority of their wealth in qualified retirement plans. The SECURE Act 2.0 , passed in 2022, changed the rules about how retirement accounts are handled — not just during your lifetime, but after your death. The after-death changes are what will impact your spouse, children, or wh