Spouse as Successor Beneficiary of Inherited Roth IRA

Husband was a designated beneficiary on a Roth IRA was was taking RMDs, then died in 2023.  Wife is now the successor beneficiary.  I understand that people who became successor beneficiaries of an inherited Roth after 2019 don’t have to take RMDs and just have to empty the account in Year 10. But is this scenario different because the designated beneficiary (husband) inherited the assets prior to 2020?  Trying to determine whether the successor beneficiary needs to take an RMD in 2024 (or in future years) or just has to empty the account by a certain date.  Also, if an RMD is required, trying to determine how to calculate it.  Thanks for any guidance you can provide.



Add new comment

Log in or register to post comments