Inherited IRAs and the 10 Year Clock

Inherited IRAs follow a different set of rules than they did before 2020, and the 10-year clock can surprise families. In this episode of Capitalize on Retirement, David and Brandon explain how the SECURE Act changed inherited IRAs, which beneficiaries may still qualify for a lifetime stretch, and how inherited Roth IRAs compare with traditional ones. They also discuss planning ideas that may help manage the tax impact for you and your beneficiaries, including Roth conversions, distribution timing, and qualified charitable distributions. The examples used in this episode are hypothetical and for illustrative purposes only. They do not represent actual client experiences or guarantee any specific outcome. This episode is for informational purposes only and should not be considered individualized tax, legal, or investment advice. Please consult your financial advisor, tax professional, or legal professional before making decisions about your retirement or investment strategy.