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2025 SDBA IRA School

Tuesday, September 16, 2025 to Thursday, September 18, 2025

Category: SDBA Events

2025 SDBA IRA School

September 16-18, 2025

Hilton Garden Inn Sioux Falls South | 5300 S Grand Cir | Sioux Falls, SD

Download & Print Registration Form | Register Online

The Secure Act impacts two main topics: RMDs and death distributions. The SDBA’s 2025 IRA School on September 16-18, which will be offered in person in Sioux Falls, SD, will address these relevant changes. In addition, IRAs are one of the most complicated areas of bank personnel responsibility, and it is not possible to learn and understand everything. Continual education is necessary to ensure confidence. Working with IRAs is a process and must start with a strong foundation. This school can provide this foundation through a comprehensive curriculum.

Topics Covered

Legislative Update Secure 2.0

Delaying the Effective Date
Requiring Beneficiaries to take Annual Distributions for the 10-year Option
Naming Multiple Beneficiaries Consisting of an Eligible Designated Beneficiary (EDB), Designated Beneficiary (DB) and Non-person Beneficiary (including beneficiaries who may not be identifiable)
Providing Verification for Being an Eligible Designated Beneficiary
Removing the Hypothetical RMD

Plan Agreement
Amendments

Required vs Suggested

Beneficiaries

Expanded Coverage

Contribution Rules
Transfers vs Rollovers
Rollovers: Direct vs Indirect
5498 Reporting Changes
Fiduciary Responsibility
Distributions: Pre-59 1/2 Exceptions
RMD’s: New age 73 Rule
Beneficiaries Election

Options / Taxation / Reporting

Trust Beneficiaries (New)
Roth IRA with Distributions
Conversions

Rules, Taxation, & Reasons Why

Prohibited Transactions Taxation

Deductible vs Non-Deductible

Excess Contributions
Recharacterizations
SEP-IRA
SIMPLE-IRA
Self-Directed IRA’s
Reporting Rules

5498’s & 1099- R’s

How to Correct

5498’s & 1099-R’s

Health Savings Accounts

Who Should Attend

For new IRA and experienced staff, this program is the quickest, easiest and most comprehensive coverage of IRAs and HSAs. The school will cover new and current IRA material, and previous topics covered at the school will be expanded.

About the Instructor

Matthew Dickinson has over 18 years in banking and retirement, and has held many titles within his career. Matt has worked for companies such as Ascensus, Merril Lynch, Wells Fargo, and Frandsen Bank and Trust. On a day-to- day basis, Matt helps financial institutions gain and maintain their knowledge base to manage their IRA portfolio. He works at a fast pace and can win clients and prospects over by how he operates—focusing on the consequences of not moving from the status quo. Matt wants to create a lifelong relationship with his customers and welcomes all questions and inquiries throughout the program.

Location

Hilton Garden Inn South
5300 S Grand Circle
Sioux Falls, SD 57108

School participants should contact Hilton Garden Inn South directly for hotel reservations at 605.444.4500. The special group rate of $160 plus tax, per room, per day, single or double occupancy is available. Be sure to state you are attending the South Dakota Bankers Association IRA School.

A block of rooms is reserved for this school until August 16, 2025. The availability of rooms cannot be guaranteed after this date. Early reservations are encouraged.

SDBA Member Fees

Full School - $950 per person

Nonmember Fees

Full School - $1,150 per person

Cancellation Policy

Any registrant withdrawing by September 3 or earlier, 2025, will receive a full refund. Registrants withdrawing between Sept 4-6, 2025, will receive a 75% refund, minus $100 cancellation fee. Registrants withdrawing on or after Sept. 7, 2025, will forfeit the entire enrollment fee. Substitutions will be accepted.