An Inherited IRA allows beneficiaries to continue tax-deferred growth after the original account holder’s passing, but it comes with specific withdrawal rules. Beneficiaries typically must either take Required Minimum Distributions (RMDs) based on their life expectancy or fully distribute the account within a set timeframe. These rules vary depending on the original account holder’s age at death and the beneficiary’s relationship to them.
Inherited IRAs have distinct tax implications and distribution requirements, making professional guidance essential. Missteps can lead to unnecessary taxes or penalties, impacting your clients’ long-term financial plans.
Are you discussing Inherited IRA strategies with your clients? We’ve created resources designed to help you navigate these conversations with confidence. Get insights, tools, and best practices to ensure your clients make informed decisions.
Related Value-Add Marketing Resources
| Brochure – Guide to Inherited IRAsA brochure for your clients on what they need to know about inherited IRA accounts. | |
| Seminar - Who Will Get Your IRA Assets?A seminar for advisors to present to clients on bequeathing an IRA. | |
| Brochure – Leading A Family Meeting on Wealth TransferA step-by-step guide on talking with your clients about gifting or inheriting assets. | |
| Brochure for Financial Professionals – Inherited IRAs At-a-GlanceA handout on the main points to discuss with clients about Inherited IRAs. | |
| Brochure for Clients – Inherited IRAs At-a-GlanceA client-facing handout on what to know about Inherited IRAs. |
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