Retirement
How does the 10-year rule for an inherited IRA work?
Quick Answer
Most non-spouse beneficiaries who inherited an IRA after 2019 must empty the account by December 31 of the 10th year after death. If the decedent had reached their RBD, beneficiaries must also take annual RMDs during years 1–9 of the 10-year window.
Warren Team
Updated April 26, 2026
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Warren Team
Updated April 26, 2026
40
Important Disclaimer:
The information provided is for educational purposes only and should not be considered as personalized financial advice. Warren is a registered investment advisor. Past performance does not guarantee future results. Please consult with a qualified financial advisor before making investment decisions.
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