The Inherited IRA 10-Year Rule Is Fully Enforced in 2026—What Beneficiaries Need to Do Now
Beneficiaries of inherited traditional IRAs face a critical deadline as the Internal Revenue Service (IRS) begins full enforcement of the 10-year distribution rule starting in the 2025 tax year. Following a multi-year grace period that waived penalties for missed required minimum distributions (RMDs) from 2021 through 2024, the federal government is now mandating strict compliance….