Hello,

Working with a new client who owns an inherited IRA (she inherited in 2018) when her husband passed away and he inherited the IRA from his father in 2013. To calculate her RMD, we are using the original account owners DOB and DOD and her husband’s DOB to continue the RMD schedule, is this correct? And not her DOB?

Is she still eligible to stretch the IRA or does she have to deplete the account 10 yrs from receiving it in 2018? Thank you.