Fee-only advisors specializing in inherited IRAs and the SECURE 10-year rule.
The 2020 SECURE Act eliminated the stretch IRA for most non-spouse beneficiaries — now requiring the entire inherited IRA to be depleted within 10 years. For high-income inheritors, this can create a compressed tax bomb. Planning the 10-year withdrawal schedule to minimize bracket impact is substantial advisor work. Spousal inheritors have differen
Situations we handle
- I inherited my parent's IRA — do I have 10 years or 5?
- Withdraw strategy: equal payments, front-load, back-load, or Roth convert?
- Spousal rollover vs inherited IRA — which?
- Inherited Roth IRA — still 10-year rule?
- RMDs during the 10-year window — do I owe annual minimums or just the full amount by year 10?
- Multiple inheritors on one account — how does splitting work?
Why a specialist. The SECURE Act and subsequent IRS guidance (2024 final regulations) made inherited IRA planning significantly more complex. Generalist advisors often default to equal 10-year withdrawals — frequently suboptimal. A specialist models your tax bracket trajectory across the window and coordinates with Roth conversions, other income, and charitable strategies.
Tools & guides
Inherited IRA 10-Year Withdrawal Optimizer
Compare equal, front-loaded, and back-loaded withdrawal strategies across your 10-year SECURE window.
Inherited IRA Complete Guide
Detailed framework — rules, tradeoffs, and common mistakes.
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