How a Spousal IRA Bridges the Retirement Gap

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How a Spousal IRA Bridges the Retirement Gap

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In this episode of Estate Planning with Fexingo, Lucas and Luna explore the Spousal IRA—a powerful but underused estate planning and retirement tool. They anchor the discussion to the 2025 contribution limit of $7,500 per year, explaining how a non-working or lower-earning spouse can build their own retirement savings using the working spouse's income. The hosts walk through real-world eligibility rules, the difference between traditional and Roth spousal IRAs, and how this strategy complements broader estate planning goals like dynasty trusts and asset protection. Lucas shares a concrete example of a couple in their 30s maximizing contributions over two decades to create over $500,000 in tax-advantaged savings. They also touch on the SECURE Act 2.0 changes effective 2025 that allow surviving spouses to treat inherited IRAs as their own. The episode closes with a forward-looking question about whether lawmakers should raise catch-up contribution limits for spousal IRAs. Perfect for listeners who want to ensure their non-working spouse isn't left behind in retirement planning. #SpousalIRA #RetirementPlanning #EstatePlanning #Finance #FexingoBusiness #BusinessPodcast #WealthManagement #RetirementSavings #IRA #SECUREAct2 #CatchUpContributions #TaxPlanning #SpousalRetirement #LucasAndLuna #Fexingo #PodcastEpisode #EstatePlanningWithFexingo #RetirementGap Keep every episode free: buymeacoffee.com/fexingo

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