Inherited IRA Distribution

Other than the stretch option for inherited IRAs, are there other options for taking distributions?



With respect to minimum distributions (RMDs), the 2 methods are life expectancy and the 5 year rule. Of course, distributions can always be accelerated and therefore there is no annual maximum for distributions. A beneficiary may inherit an annuitized IRA, but the beneficiary cannot purchase their own IRA annuity post death.

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