Based on the information below you must take distribution for 2023 after her death for you, and 2024. The distribution requirements are shown below for a beneficiary that is not a spouse and where the account owner began required minimum distributions (RMDs) before death.
The amount will be based on the information below but your financial institution will have the numbers for you.
IRS RMDs for Beneficiary
Distribute using Table I-Non Spouse
- Use younger of 1) beneficiary’s age or 2) owner’s age at birthday in year of death
- Determine beneficiary’s age at year-end following year of owner’s death
- Use oldest age of multiple beneficiaries
- Reduce beginning life expectancy by 1 for each subsequent year
- Can take owner’s RMD for year of death
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