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 our clients will depend upon a variety of factors, and the relevant rules and decision points can be confusing.

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

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