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There are a few options you can consider when you inherit an IRA from your spouse.

The best option will depend upon a variety of factors and the relevant rules and decision points can be confusing.

To help make the analysis easier, we have created the “Should I Inherit My Deceased Spouse’s IRA?” flowchart. It addresses common issues that arise when you inherit a traditional IRA from a spouse:

  • Inheriting the IRA vs. rolling the IRA into the investor’s own traditional IRA
  • 10-Year Rule vs. Life Expectancy Rule
  • RMD calculations
  • Considerations based on age and income needs