Under the old rules, most nonspouse beneficiaries could stretch inherited IRA distributions over their own life expectancy — sometimes for decades — allowing the account to compound tax-deferred. The SECURE Act replaced this with a mandatory 10-year liquidation window for most nonspouse beneficiaries. The compressed timeline often pushes beneficiaries into higher tax brackets. Strategic planning — including Roth conversions during the account owner’s lifetime or charitable beneficiary structures — can help offset this impact.
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