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2026 Annual IRA 2-Day Streaming

Mastering IRA administration starts with a back‑to‑basics approach—building a solid foundation before navigating the complexities of account management. Because regulations shift frequently, even seasoned professionals must regularly revisit essential principles to stay current and avoid the costly IRS notifications or tax consequences that stem from improper reporting. This session bridges that gap, progressing from foundational knowledge to advanced topics, including a detailed look at the latest payout options for IRA beneficiaries.
Upcoming
DATE

Tuesday, August 11, 2026
Wednesday, August 12, 2026

INSTRUCTOR

Patrice Konarik

FORMAT

Live Stream

CREDIT TYPE

12 CISP Credits

$1,679.00 or 8 Tokens

Includes: 12 months of OnDemand playback access

  • Customer Service
  • Deposit
  • Deposit Accounts
  • IRAs
  • Teller
  • Trusts
  • Customer Service Representative
  • Deposit Operations Manager/Specialist
  • New Accounts Representative
  • Teller
  • Training Manager
  • Trainer

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Whether you join us for the Day 1 Basic Essentials to master foundational terminology and forms or dive into the Intermediate/Advanced session to navigate complex topics like RMDs and beneficiary payouts, you will gain the confidence needed to handle IRA transactions with precision.

Throughout both days, participants will utilize the comprehensive “Red Book” IRA Training and Reference Manual, an electronic guide packed with cheat sheets and quick-reference charts.

By keeping this manual handy during the training, you’ll ensure a seamless learning experience and walk away with a vital resource for your professional success.

Series Details

Part 1 IRAs: The Basic Essentials: All-Day Streaming

The only way to truly understand IRAs is to start at the beginning and build up your knowledge and expertise from there. Because IRAs change frequently, it is essential for everyone, regardless of their experience level, to revisit the basics regularly. This approach ensures a strong foundation and helps professionals stay current with new developments and regulations.
  • Learn the top 20 essential IRA terms, giving you the vocabulary needed to navigate IRA transactions and conversations with confidence.
  • Review the contribution limits for Traditional IRAs, along with the income thresholds that determine eligibility for tax-deductible contributions.
  • Understand the eligibility requirements for contributing to a Roth IRA and learn when the interest earned is truly tax-free.
  • Discover the correct procedures for reporting regular contributions made for the prior year after April 15, particularly in cases of contributions due to federal disaster repaymen
  • Explore the rules governing the conversion of Traditional IRAs into Roth IRAs, ensuring you understand when and how these transactions can occur.
  • Gain insights into Simplified Employee Pension Plans (SEP) IRAs and consider whether your institution should offer these retirement savings options.

Part 2 IRAs: Beyond the Basics: All-Day Streaming

Once you have a solid grasp of the essential principles of IRA administration, it is important to progress to the more complex elements involved in managing these accounts. Navigating advanced IRA topics is critical, as improper handling or reporting of transactions can lead to IRS notifications and potential tax consequences for account holders. This session will also provide a detailed overview of payout options available to IRA beneficiaries, reflecting the updated regulations implemented last year.
  • Gain clarity on the differences between Qualified Plan (QP) direct rollovers and IRA transfers, ensuring you can distinguish these transaction types accurately.
  • Learn the specific rules that govern the process of rolling over a 529 plan into a Roth IRA.
  • Understand when it is appropriate to use the term “rollover” in IRA-to-IRA transactions to ensure accurate communication and reporting.
  • Explore the new exceptions to the 10% penalty on IRA distributions taken before age 59½, including how to properly report these exceptions.
  • How to use the new IRS code for reporting Qualified Charitable Distributions (QCDs)
  • Determine whether a beneficiary can elect optional distributions during the first nine years if the IRA owner passed away after 2019 and was subject to Required Minimum Distribution (RMD) rules.
  • Identify nine critical warning signs or red flags that can arise during beneficiary payout processes.
  • Review the options available for distributing IRA assets to a trust beneficiary, ensuring compliance and proper handling of these transactions.

What You'll Learn

  • Master the top IRA terminology, building the confidence to navigate transactions and client conversations effectively.
  • Understand contribution rules for Traditional and Roth IRAs, including limits, eligibility requirements, and when earnings are truly tax-free.
  • Learn proper procedures for handling and reporting IRA contributions, including prior-year contributions and special cases such as disaster-related repayments.
  • Explore conversion rules between Traditional and Roth IRAs, including timing, tax implications, and best practices.
  • Gain insight into SEP IRAs and evaluate whether these retirement solutions are a fit for your institution
  • Differentiate between rollovers and transfers, including QP direct rollovers, IRA-to-IRA transactions, and evolving rules such as 529-to-Roth rollovers.
  • Understand updated distribution rules, including new exceptions to early withdrawal penalties and proper reporting requirements (e.g., QCD IRS codes).
  • Navigate beneficiary and post-death IRA rules, including RMD requirements, optional distributions, and payout considerations for accounts inherited after 2019.
  • Identify key compliance risks and red flags that may arise during beneficiary payout and distribution processes.
  • Review distribution options for trust beneficiaries and ensure proper handling in complex IRA scenarios.

Who Should Attend

This session is specifically designed for individuals who are just beginning to learn about Individual Retirement Accounts (IRAs). It is particularly beneficial for customer service representatives, call center employees, tellers, and those working in trust and investment departments who may encounter IRAs in their daily responsibilities. The material will help newer team members develop a foundational understanding of IRAs and their management. In addition to serving newcomers, this session also provides significant value to experienced IRA professionals. Those who have worked with retirement accounts and wish to stay current with the latest industry updates, including recent cost-of-living adjustments, will benefit from the comprehensive review offered. The session ensures that all participants, regardless of experience level, are equipped with up-to-date information for effective IRA administration.
Patrice Konarik

Instructor Bio

Patrice M Konarik is president of Sunwest Training Corp founded almost 30 years ago and located in the Texas Hill Country near San Antonio. With over 40 years of experience in the financial industry, Patrice has focused her expertise on the retirement account area. After 28 years on the road providing live training nationwide, she now concentrates on providing informational IRA and HSA webinars through OnCourse Learning. She has a B.S. in Management Science from New York’s Binghamton University and previously held her Certified Financial Planner designation for 23 years.

Continuing Education Credit Information

2026 Annual IRA 2-Day Streaming has been approved for 12 CISP credits. This statement is not an endorsement of this program or its sponsor. Credits are redeemable for both Live and OnDemand viewing. For questions on certificates, please email support@oncourselearning.com. Certification holders must report these credits at https://aba.csod.com.

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