Multiple Inherited Accounts (non-spouse beneficiary)

Submitted by ShipsnGiggles on Tue, 2013-12-24 19:15

Happy Holidays

I have what I think is a simple question

FACTS
Account owner dies leaving a T-IRA and 401(k) to the same non-spouse beneficiary

Question:
Can the 401(k)account be rolled directly into the inherited IRA? I would think yes as the RMDs (for both accounts) are using the same calculation

I am looking for clarification

Thank you



Submitted by Alan - IRA critic on Tue, 2013-12-24 19:22

As long as the RMD divisors are the same, the inherited 401k can be transferred into the same inherited IRA. Or the inherited 401k could be transferred to an inherited Roth IRA as a taxable Roth rollover. The inherited IRA cannot be converted to an inherited Roth.



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