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Retirement / Decumulation, Tax Planning, Assets and Investment Planning
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Can I Delay Distributions From The Traditional IRA I Inherited?

There are a few options a client can consider when they inherit a traditional IRA from a non-spouse. The key consideration for most clients is the timing of distributions from the account, but the rules and implications of each option can be confusing.

To help make the analysis easier, we have created the “Can I Delay Distributions From The Traditional IRA I Inherited?” flowchart. It addresses common issues that arise when a client inherits a traditional IRA from a non-spouse, including:

  • Beneficiary classifications under the new SECURE Act rules
  • Distributions under the 10-Year Rule
  • RMDs under the Life Expectancy Rule
  • Twice-inherited IRAs

 

Updated for 10/15/2021

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