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Required Minimum Distributions RMD

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HEIR HAZARDS when INHERITING an IRA
 
RMD (Required Minimum Distribtutions) are required when the owner turns 70 1/2 years old.
 
NON-SPOUSE beneficiaries can 'stretch' the regular inherited IRA over their own life expentancy but must start the RMD the year following the death of the owner.
 
While ROTH IRA owners never are required to distribute RMD, NON-SPOUSE beneficiaries must.  Those withdrawls are still tax free.