QCDs from non-spousal Inherited IRA

Hello. I recently encountered a client who inherited a large IRA from a parent. They do not need the funds and are worried about the large distributions that will have to come out over the next ten years. Would they be able to do QCDs from the Inherited IRA given they meet the age requirements?

Thanks for all of your help!



Yes, as long as they are 70.5 they can do QCDs from inherited IRAs. If they are under the 10 year rule, there are no annual RMDs until year 10, therefore no QCD timing restrictions until year 10.

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