@AmyC ... Yes - the death was in March 2024 and post-2019. I am not disabled.
Reading some other resources, it sounds like IRS may have recently clarified that RMDs may be necessary? I'm probably fine for 2024, since the rules only take effect in 2025?
New Inherited IRA Tax Rules Every Beneficiary Should Know | Kiplinger
"Update: IRS final regulations on inherited IRAs confirm that beginning in 2025, many beneficiaries will face annual required distributions during the 10 years."
...
"For many heirs, the IRS now requires annual withdrawals throughout the 10 years. (The RMD amount each year can vary based on several factors, including the beneficiary's age, relationship to the deceased, and the value of the inherited account.)"
"For example, rules differ depending on whether the original account owner, before they passed away, had begun taking RMDs. If they took required distributions before they died, the beneficiary usually needs to continue taking annual distributions while complying with the 10-year rule (if applicable)."
