topic Re: DBL INHERITED IRA in Retirement tax questions

DBL INHERITED IRA

PMS2017 — Wed, 11 Feb 2026 10:40:13 GMT

I inherited an Inherited IRA from my spouse after his death. He was 74. He was already taking Distributions from this account. I was the only beneficiary. My financial Advisor said that Vanguard does not calculate RMD's for DBL Inherited IRA'S.

How do I get a calculation for this RMD?

Re: DBL INHERITED IRA

Bsch4477 — Wed, 23 Oct 2024 15:48:16 GMT

Read here.
https://investor.vanguard.com/investor-resources-education/retirement/rmd-rules-for-inherited-iras#:~:text=Generally%2C%20a%20designated%20beneficiary%20is,had%20already%20begun%20taking%20RMDs.

Re: DBL INHERITED IRA

rjs — Wed, 23 Oct 2024 18:18:13 GMT

What do you mean by "DBL"? Are you saying that your husband inherited the IRA from someone else, and then you inherited it from your husband?

Re: DBL INHERITED IRA

dmertz — Thu, 24 Oct 2024 03:26:52 GMT

I will assume that DBL means that PMS2017 is a successor beneficiary. If you are a successor beneficiary, you must continue your husband's annual RMD distribution schedule with the annual RMDs being calculated the same as if your husband had not died. If your husband was subject to the 10-year rule, the entire balance must also be distributed by the end of the 10th year following the year of the original participant's death. If your husband was not subject to the 10-year rule, the deadline to distribute any remaining balance is the 10th year following the year of your husband's death.