RMD for deceased taxpayer

Submitted by David Muldowney, Jr on Wed, 2025-04-16 11:59

I have a client who died in 01/24 without taking his 2024 RMD.  I believe the beneficiaries have until 12/31/25 to take that RMD. Am I correct?

Thanks for your help.

Dave

 



Submitted by Alan - IRA critic on Wed, 2025-04-16 13:29

Yes, that is correct. But the beneficiary will also have to take their own beneficiary RMD in 2025. If more than one beneficiary, they can complete the year of death RMD by splitting it in any manner between them, so that will take some coordination.

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