Non-spouse beneficiaries must empty inherited IRAs within 10 years under SECURE Act rules
The Details
If the original owner died after their required beginning date (age 73), you must take annual RMDs during years 1-9 AND empty the account by year 10—a rule the IRS didn't clarify until 2022.
What this means for you
Retirement decisions compound — getting one of these details wrong can cost tens of thousands of dollars over a retirement. The good news: most of these mistakes are completely avoidable if you understand how the rule actually works.
Next step
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