topic Inherited Roth IRA in Retirement tax questions

Inherited Roth IRA

briggs10james — Tue, 24 Feb 2026 06:39:12 GMT

Re: Roth IRA: I am a non-eligible designated beneficiary age 75. My 98 year old mother died May 2022. I understand that I will need to empty the Roth account by year 2032. What I am not so sure about is if there is an annual RMD required. I have seen conflicting information at various (very credible) online sites. Can you please tell me is an annual RMD required for an inherited Roth?

Re: Inherited Roth IRA

dmertz — Thu, 29 Jun 2023 20:23:11 GMT

With an inherited Roth IRA, no annual beneficiary RMDs are required under the 10-year rule because the deceased owner is deemed to have died before their required beginning date for RMDs.

Re: Inherited Roth IRA

briggs10james — Thu, 29 Jun 2023 23:33:32 GMT

dmertz...thanks again!