Insights
One of the most common questions I hear after someone inherits an IRA is:
"What do I do with it now?"
For many beneficiaries, an inherited IRA must be emptied within 10 years. The question isn't whether to take distributions—it's when.
Inherited Roth IRAs are often subject to the same 10-year distribution rule, although qualified distributions are generally tax-free.
A thoughtful withdrawal strategy can help manage taxes, avoid surprises, and align the inheritance with other financial goals.
The deadline is fixed. The strategy is not.
An inherited IRA can be a meaningful gift. With proper planning, it can become an opportunity to strengthen your financial future rather than create an unnecessary tax burden.
That's where financial guidance can make a difference.
#InheritedIRA #FinancialPlanning #RetirementPlanning #LegacyPlanning #ThriventFinancial #LiveGenerously
Thrivent and its financial advisors and professionals do not provide legal, accounting or tax advice. Consult your attorney or tax professional. See thrivent.com/social for important disclosures.
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See thrivent.com/social for important disclosures.
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