SECURE Act 2.0 · §401(a)(9)(H)

Inherited IRA RMD Planner

Did you inherit an IRA? Find out if you have 10 years or a lifetime stretch.

Year original owner died

Inherited IRA balance

Beneficiary type

Beneficiary current age

Distribution Picture

Rule that applies

10-year

Deadline to empty account

2034

Annual RMDs required?

Yes

Avg annual draw (if level)

$50,000

Under SECURE Act 2.0 §401(a)(9)(H), most non-spouse beneficiaries must empty inherited IRAs within 10 years of the owner's death.

Talk to a preparer about your inherited IRA

Rules: SECURE Act (deaths 2020+) and SECURE 2.0. EDB stretch per §401(a)(9)(E)(ii). Educational tool, not legal advice. Call 689-331-5723 or email info@zerofusstaxes.com.