A financial planning setup with calculator, cash, and coins on a notepad labeled 'Taxes.'

Five Phases of an IRA

This course walks participants through the five phases of an IRA—from accumulation through beneficiary transfer—highlighting how tax-deferred growth, required minimum distributions, and life events can significantly impact total taxable income.

Attendees will learn how to proactively manage the “tax control window,” understand key legislative changes, and explore strategies such as Roth conversions, distribution planning, and legacy planning to reduce lifetime taxes and maximize wealth for themselves and their heirs.

Seamus Ott

Instructor

View Seamus Ott's Other Courses

As a Financial Advisor at Thrivent, I partner with clients to build thoughtful, values‑aligned financial strategies that support every part of their journey. Grounded in ethical guidance, I provide clear, straightforward information that empowers clients to make confident decisions.

With a background in Peace Studies from Saint John’s University, I approach financial planning through a lens that considers not only financial goals but also the people, causes, and communities my clients care about most. This blend of financial expertise and commitment to positive societal impact helps clients express generosity in meaningful ways—creating lasting influence in the world, their way.

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