The SECURE Act requires most nonspouse beneficiaries to fully distribute an inherited IRA within 10 years of the original owner’s death.
Final regulations in 2024 confirmed that if the original owner died after their required beginning date (typically age 73), the beneficiary must also take annual required minimum distributions during those 10 years.
Eligible designated beneficiaries — including spouses, disabled or chronically ill individuals, minor children until majority, and beneficiaries less than 10 years younger — can still stretch distributions over their lifetime. Planning the timing matters for taxes.
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