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

“I thought I had access. I have Power of Attorney.” That’s what my client said to me, sitting across from my desk in Haverhill. Her mom had passed away the week before. She had been her Power of Attorney for three years — paying bills, managing the bank account, talking to the insurance company. She walked into the bank thinking she would deposit the life insurance check upon mom's death and keep things moving. Instead, the teller quietly said: “ I’m sorry. Your authority end