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Inherited IRA Withdrawals Post-SECURE Act

The SECURE Act of 2019 imposed a 10-year rule for inherited IRA withdrawals for most non-spouse beneficiaries, with some exceptions. The IRS has clarified the rules, requiring annual RMDs for many beneficiaries within the 10-year period.

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Jan 6, 2026

What are the 2026 deadline and distribution timing changes for inherited IRA beneficiaries?

Beginning with the aftermath of the SECURE Acts and clarified by IRS guidance, many non-spouse beneficiaries face compressed timing for inherited IRA withdrawals: most must empty accounts within 10 ye...