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Question

Do I need to immediately take required minimum distributions (RMDs) from my spouse’s inherited IRA?

Answer

As a surviving spouse, you generally have more flexibility than other beneficiaries. You can often roll the inherited IRA into your own account and delay RMDs until you reach your own RMD age — currently 73 for anyone born after 1951. A wealth advisor experienced in inherited IRA strategies can help you evaluate the best approach for your tax situation and long-term income needs.

Related FAQs

How can filing jointly in the year of my spouse’s death help me?

Should I sell my primary residence soon after my spouse passes away?

How does the qualifying surviving spouse tax filing status work?
Women & Wealth Tax Planning Widows Tax Tips & Tricks Inherited Wealth Single Women Financial Independence Primary Breadwinners FAQs
Last Updated May 21, 2026
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