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Question

Which is better for my heirs: a Roth IRA or a traditional IRA?

Answer

Under the SECURE Act, most nonspouse heirs must empty an inherited IRA within 10 years. With a traditional IRA, those distributions are taxable — and they often land during the heir’s peak earning years. With a Roth IRA, the same 10-year clock applies, but distributions are tax-free. Converting to Roth before you pass can leave your family a very different inheritance.

Related FAQs

What’s the difference between a Roth conversion and a regular IRA withdrawal?

How do I check my income-related monthly adjustment amount (IRMAA) threshold before doing a Roth conversion?

Where can I find help with retirement tax planning and Roth conversions?
Retirement Tax Planning Asset Protection Retirement Planning Social Security Tax Basics Tax Tips & Tricks Early Retirement Generational Wealth Year-Round Tax Planning FAQs
Last Updated Oct. 2, 2026
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