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IRAs & Retirement Plans

Inherited Spousal IRA Rules

Should I Inherit My Deceased Spouse’s Traditional IRA?

There are a few options a client can consider when they inherit an IRA from their spouse. The best option for your client will depend upon a variety of factors, and the relevant rules and decision points can be confusing.

To help make the analysis easier, we have created the “Should I Inherit My Deceased Spouse’s Traditional IRA?” flowchart. It addresses common issues that arise when a client inherits a traditional IRA from a spouse:

  • Inheriting the IRA vs. rolling the IRA into the client’s own traditional IRA
  • 10-Year Rule vs. Life Expectancy Rule
  • RMD calculations
  • Considerations based on age and income needs
Related Guides
Twice-Inherited Traditional IRA Distribution Rules
Category: IRAs & Retirement Plans
Inherited Traditional IRA Distribution Rules
Category: IRAs & Retirement Plans
Inherited Roth IRA Distribution Rules
Category: IRAs & Retirement Plans
Inherited Traditional IRA & Inherited Roth IRA Issues
Category: IRAs & Retirement Plans

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— An advisor is Texas
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