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Retirement Planning

What Issues Should I Consider When Inheriting a Traditional or Roth IRA?

Overview

An inherited IRA doesn't follow the same rules as your own retirement account, and the distribution requirements can vary significantly depending on whether you're a spouse, a non-spouse beneficiary, or fall into another category entirely.

Coordinating the inherited account with your own financial goals, and with the taxes it will generate, is worth doing early. The distribution rules leave less room for improvisation than most retirement accounts.

What this checklist covers

  1. 1Distribution requirements
  2. 2Beneficiary rules
  3. 3Coordinating with your own goals

Common questions

Take the full checklist into your retirement decision

A printable checklist you can work through before you set a date.

PDF · 197 KB · No email required

Related Resources

Keep exploring retirement planning

Articles, printable guides, and short videos on this topic. See the full Retirement Planning hub.

Sourced from a licensed fpPathfinder checklist. Page copy is original summary content.