Inherited IRA 10-Year Rule: Don’t Make This Costly Mistake
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Inherited IRA 10-Year Rule: Don’t Make This Costly Mistake
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If you’ve inherited an IRA, the rules have changed — and getting them wrong can be costly.
The SECURE Act replaced the old “stretch IRA” with a 10-year distribution rule for most non-spouse beneficiaries, creating new complexity around when and how withdrawals must be taken. Many beneficiaries don’t realize that in some cases, required minimum distributions (RMDs) still apply within that 10-year window.
In this episode, Tyler Emrick, CFP®, CFA®, breaks down how the 10-year rule works, who it applies to, and the key mistakes that can lead to unnecessary taxes and penalties.
Tyler covers:
- How the 10-year rule works for inherited IRAs
- When annual RMDs are required — and when they’re not
- Exceptions for eligible designated beneficiaries
- Key considerations when a trust is named as beneficiary
- Tax planning strategies to avoid bracket creep
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