Inherited IRA 10-Year Rule: Don’t Make This Costly Mistake

Get your customized planning started by scheduling a no-cost discovery call: If you’ve inherited an IRA, the rules have changed — and getting them wrong can be costly. The SECURE Act replaced the old “stretch IRA” with a 10-year distribution rule for most non-spouse beneficiaries, creating new complexity around when and how withdrawals must be taken. Many beneficiaries don’t realize that in some cases, required minimum distributions (RMDs) still apply within that 10-year window. In this episode, Tyler Emrick, CFP®, CFA®, breaks down how the 10-year rule works, who it applies to, and the key mistakes that can lead to unnecessary taxes and penalties. Tyler covers: How the 10-year rule works for inherited IRAs When annual RMDs are required — and when they’re not Exceptions for eligible designated beneficiaries Key considerations when a trust is named as beneficiary Tax planning strategies to avoid bracket creep Have questions? Need help making sure your investments and retirement plan are on track? Click to schedule a free 20-minute call with one of True Wealth's CFP® Professionals.

You can listen to Inherited IRA 10-Year Rule: Don’t Make This Costly Mistake online on Radio and Podcast. Open the player on this page to stream the available audio.

Inherited IRA 10-Year Rule: Don’t Make This Costly Mistake is an episode from Retire Smarter by Kevin Kroskey, CFP® & Tyler Emrick, CFA® CFP®.

This episode is 19:41 long.

This episode was published on Mar 26, 2026.

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