If your mom did not take her RMD in the year of her death you had to take it as a taxable even for you (in the year of her death). That is a given. BUT!!! pub 590 does not say you have to take any RMD afterwards. Every financial advice person says you have to take an RMD starting in 2025. but nowhere in pub 590 does it say a designated beneficiary of an IRA that was in RMD status has to take an RMD!! it just keeps saying to see the 10yr rule. AND PUB 590 never tells you how to calculate an RMD for a designated beneficiary of an IRA that was in RMD status.
