dmertz
Level 15

Retirement tax questions

Under the circumstances, I see no benefit to directly rolling this over to an inherited IRA, only disadvantages.

By rolling this to a traditional IRA in your own name, it will become treated as if it was always your own IRA, allowing you calculate RMDs as owner rather than the higher RMDs as beneficiary when you reach age 70½ and to name beneficiaries who will be able to use their own life-expectancy for determining RMDs.