Inherited I.R.A.

If the beneficiary of an inherited I.R.A. dies, can the subsequent beneficiary continue the stretch or will they come under the new 10 year rule?
Thanks – Frank Dogger



When did the owner pass, and when did the beneficiary pass? 



The owner died a few years ago, the beneficiary died last month. Thanks – Frank



In this situation, the successor beneficiary is subject to the 10 year rule as stated in the Secure Act. No annual RMDs, but entire account must be distributed no later than 12/31/2030. 



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