Navigating the Updated Inherited IRA Rules with Grayson Blaszek and Matthew Schulman, Ep #228

Financial Symmetry: Balancing Today with Retirement

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An inherited IRA is essentially an IRA received by a beneficiary after the original owner passes away. Whether it's a spouse, child, or another loved one, the key characteristic of an inherited IRA is that it transitions ownership upon death.

As Grayson Blaszek explains, the funds are transferred intact, but the way you handle and withdraw these funds comes with specific rules and timelines. Grayson and Matthew dig into the new rules in this episode.

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Outline of This Episode

[4:50] Differences between eligible and non-eligible designated beneficiaries
[6:16] Why it’s important to list IRA beneficiaries to avoid tax inefficiency
[8:19] The year that you inherit an IRA impacts that distribution requirement
[10:18] Discussing inheritance can lead to meaningful conversations that make financial planning easier
[14:17] You need to continue taking the required minimum distribution (RMD) if the decedent began them already
[16:00] How to handle a 10-year account withdrawal strategy
[22:07] Key takeaways about your withdrawal options with the new rules as a non-eligible designated beneficiary

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