The 10-Year Rule: Why Your IRA Inheritance Deadline Matters Now

Non-spouse heirs of traditional IRAs must now empty them within 10 years of the owner's death. For 2022 inheritances, that means a 2032 deadline. The risk: larger withdrawals in fewer years push you into higher tax brackets. Spreading withdrawals strategically across the decade can soften the tax hit—but only if you plan ahead.