My spouse inherited an IRA from her mother split between three siblings. Her mom died in 2022. RMDs had begun and we have a 1099R for TY22. Starting in 2023, we were told we had 10 years to withdraw the money and that we did not need to withdraw every year as long as the entirety was withdrawn the 10th year. IRS rules have changed? I am unclear about the impact to us. Should we have taken a withdrawal in 2023 and 2024? Or beginning in 2025 we have to start withdrawing each year with the final distribution to occur in the year of the 10 year anniversary of death. I am unclear which is the case for us.
@inherited ira
