Articles tagged “inherited Roth IRA”

Most non-spouse beneficiaries must empty inherited IRAs within 10 years under the SECURE Act. Annual RMDs apply if the owner reached their required beginning date. Here is how to avoid the traps.

Inheriting an IRA triggers strict rules that depend on your relationship to the deceased and when they died. The 10-year rule, annual RMDs, and a 25% penalty for mistakes. Here is the complete 2026 guide.