There have been a lot of changes/clarifications to the original guidelines as several posters have been so helpful in pointing out. As you found out, even the professionals may have been unaware at the time you inherited your IRA as these clarifications came through much later. I found this Morningstar article helpful in clarifying some of this in terms we might better understand. Hope this helps.
https://www.morningstar.com/articles/1125762/who-does-and-doesnt-get-to-skip-rmds-under-the-new-10-y...
This article makes it sound like the beneficiaries still take RMDs based on their life expectancy (with new charts) but then have to take the remainder of the money out by the end of 10 years. Fanfare’s suggestion is an option that would entail a more even distribution for RMDs so that you aren’t hit with a huge distribution at the end. At least that is my understanding.Obviously I am no expert on this as my inherited IRA was grandfathered so no 10-year rule applies. If anyone has different info on the 10-year rule as explained in the article, please assist.
