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The "QLAC": Move $210,000 of Your IRA Into This One Account and the IRS Stops Counting It for RMDs Until You're 85.

SECURE 2.0 raised the cap from 25% of savings to $210,000 and lets payments begin as late as age 85.

Summary by 24/7 Wall St.
The IRS has a rule that lets traditional IRA owners quietly quarantine a portion of their balance so it vanishes from the RMD calculation entirely, and most retirees have never heard of it.

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24/7 Wall St. broke the news in Lakewood, United States on Sunday, August 30, 2026.
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