Topic Archive
Inherited IRA rules changed sharply after the SECURE Act. These articles focus on the 10-year rule, annual inherited IRA RMDs, and the tax burden heirs can inherit if a plan ignores them.
The IRS waived inherited IRA RMDs from 2021 through 2024. That grace period is over. In 2026, most non-spouse beneficiaries must take annual distributions — and empty the account within 10 years.
Read articleYou built a $2M traditional IRA. When you die, your heirs don't get $2M — they get a 10-year countdown to distribute a fully taxable account, often at the worst possible time in their earning lives. Most retirement software never shows you this.
Read articleModel heir tax pressure, Roth conversion tradeoffs, and how inherited accounts affect a household plan over time.