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Can I Delay Distributions From The Traditional IRA I Inherited?

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There are a few options a client can consider when they inherit a traditional IRA from a non-spouse. The key consideration for most clients is the timing of distributions from the account, but the rules and implications of each option can be confusing.

To help make the analysis easier, we have created the “Can I Delay The RMD From The Traditional IRA I Inherited?” flowchart. It addresses common issues that arise when a client inherits a traditional IRA from a non-spouse:

Beneficiary classifications under the new SECURE Act rules

  • Distributions under the10-Year Rule distribution rule
  • RMDs under the Life Expectancy Rule
  • Twice-inherited IRAs

 

Updated for 11/15/2020

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“It’s one of the best software products I have seen. It’s exactly what I have been looking for and trying to build internally. Well done!!!”
— Kate, an advisor in Florida
“I really love the concept of fpPathfinder because I spend so much time reinventing the wheel when communicating planning concepts to clients. Moreover, the flowchart format can be used time and time again to produce consistent results.”
— Kevin P, an advisor in Illinois
“fpPathfinder has been critical in my execution of financial planning. They provide well thought resources for when clients face specific problems, and I use them over and over again.”
— Roger Whitney, CFP®️, CIMA®️, CPWA®️
“I find fpPathfinder to be very helpful. I use the checklists and flowcharts to help prep for every meeting.”
— Ryan, an advisor in New York
“Thanks for having all of these so conveniently put together. We were working on many of these for years, but often could not find the time to keep them updated. This has been a blessing to our firm. ”
— An advisor in Texas
“Overall, I have really enjoyed the service as it makes teaching and educating people much simpler. ”
— Michael, an advisor in California
“With working from home most of 2020, we wanted to still catch some face time with our clients. We used the checklists and flowcharts to conduct webinars covering various topics. In fact, having the charts readily available, we were able to do many of these on a weekly basis, knowing the material was pretty much already established. We had such great feedback that we are continuing the webinars into 2021. We have many that actually look forward to our meeting times, and found being able to have the flowchart or checklist available to work on their own later was an added bonus.”
— An advisor in Texas
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