RMDs on My Inherited Roth- Yes or No?
Episode 297
RMDs on My Inherited Roth- Yes or No?
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Equipping Points:
Most people know Roth IRAs don’t normally have required minimum distributions, but things can change when someone inherits one. In this episode, David explains how inherited Roth IRA rules work, why beneficiary type matters, and when the IRS may still require distributions even from tax-free accounts. David also walks through real-world examples and highlights why beneficiary planning has become much more complicated after recent law changes.
Here’s some of what we discuss in this episode:
📝RMD Basics: Traditional IRAs require withdrawals at 73
🧾 Inherited Roth Rules: Beneficiary type changes everything
⏳ 10-Year Rule: Many heirs must empty accounts within a decade
👨👩👧 Beneficiary Types: Eligible vs non-eligible matters
🛡️Tax-Free Growth Potential:
Roth inheritance strategies can help preserve wealth
Today's Takeaway:
Some of these episodes were recorded under the branding of KC Financial Advisors, which has since rebranded as CreativeOne Advisors Group. Any references to KC Financial Advisors should now be understood as referring to CreativeOne Advisors Group.
