fpPathfinder

Helping Diligent Advisors Ensure They're On The Right Planning Path

Already a Member? Login
Need Help?
Refer Friends
GUIDES
All Guides
Categories
General
Cashflow Important Dates & Numbers Recurring New Client Family-Related Service Calendar Debts Caring Loved Ones Divorce Planning College Planning / Funding Deliverable Age-Related Planning 20s-30s Age-Related Planning 40s-50s Age-Related Planning 60s Age-Related Planning 70s
Working / Accumulation Phase
Employee Benefits-related Planning Issues Business Owners Saving For Retirement Stock Options
Retirement / Decumulation
Social Security Healthcare Distributions Misc. Charitable Giving
Tax Planning
Business Owners Review Tax-related Documents Misc Sale of Asset Deductions & Credits Important Tax Concepts & Numbers Taxable Distributions
Insurance Planning
Medicare Property Annuities Life Insurance Long-Term Care Insurance Health Insurance
Estate Planning
Chartible Giving Inheritance Loss of Loved One Step Up Estate Planning Documents
Assets and Investment Planning
HSAs IRAs Annuities House and Home Investments Stock Options
Life Events
Child-Related Job-Related Death Marriage Divorce Sudden Wealth Event Moving/Home-Related Starting Or Selling A Business Starting Social Security Unique Life Event/Other Starting Retirement Medicare-Related Starting RMDs
One-Click Downloads
Full List Of Guides
Guide Recommendation Tool
Guide Recommendation Tool
Go Back
Category:
Estate Planning

How Must I Take Distributions From The Roth IRA I Inherited?

Navigating the complexities of inherited Roth IRAs can be challenging for both advisors and clients. Roth IRAs don’t follow the same rules as Traditional IRAs when it comes to required minimum distributions (RMDs), particularly during the original owner’s lifetime. However, RMDs do become a concern when Roth IRAs are inherited. With recent changes brought about by the SECURE Act, financial advisors need to stay on top of the new rules surrounding inherited Roth IRAs.

We’ve developed a guide to help financial advisors clarify these rules. This flowchart covers important factors a client needs to consider when determining how they must handle distributions from their inherited Roth IRA, such as:

  • Determining whether the client is an Eligible Designated Beneficiary or Non-Eligible Designated Beneficiary, and how that will affect their distribution requirements.
  • Who the 10-Year Rule does and does not apply to.
  • Whether required minimum distributions (RMDs) apply, and whose life expectancy they are based on.
Related Guides
Should I Inherit My Deceased Spouse’s Traditional IRA?
Category: Retirement / Decumulation, Estate Planning, Assets and Investment Planning
What Issues Should I Consider If I Experience A Sudden Wealth Event?
Category: General, Working / Accumulation Phase, Estate Planning, Life Events
How Must I Take Distributions From My Twice-Inherited Traditional IRA?
Category: Estate Planning, Assets and Investment Planning
How Must I Take Distributions From The Traditional IRA I Inherited?
Category: Estate Planning, Life Events
What Issues Should I Consider When Inheriting A Traditional Or Roth IRA?
Category: Estate Planning

Getting Your Referral Stats

What Customers Are Saying About Us

Hundreds of other advisors are actively using fpPathfinder. Read what those lovely people have to say about us.
“I love these checklists and flowcharts! They are very useful and helpful in making sure I am covering all (or at least most) points regarding a specific topic.”
— Michael, an advisor in Pennsylvania
“What you guys have created is pretty badass! I’ve used your material for both client meetings and prospective clients.”
— An advisor in California
“Thank you for creating a robust, yet very practical, planning tool.”
— Andy, an advisor in Florida
“The decision tree format has been immensely helpful. The design is very simple and elegant.”
— Deirdre, an advisor in Massachusetts
“This has been super helpful and I am getting rave reviews in using these flowcharts and checklists”
— Christoper, an advisor in Illinois
“You are making all of our lives easier...and more importantly, our clients.”
— Jeff, an advisor in California
“I love the new "share a link" feature. This has made it much easier to send flowcharts and checklists to our clients. Thanks for the add!”
— An advisor in Texas
Become a Member

Sign Up to Receive Updates

Join our mailing list to be updated as we release new flowcharts and checklists that might be of interest.
  • This field is for validation purposes and should be left unchanged.
Close