ACCOUNT TYPE

Inherited IRA

Also known as a beneficiary IRA, an Inherited IRA is created for beneficiaries when an individual inherits an IRA or retirement plan.

AT A GLANCE

What should you know about a self-directed Inherited IRA?

Tax Benefits

Other Considerations

GETTING STARTED

How do you fund your Inherited IRA account?

Contributions

Spousal beneficiaries may only make contributions when you elect to treat the inherited account as your own IRA. You may not make contributions to an Inherited IRA. 

Transfers

Beneficiaries may transfer the inherited IRA according to the rules of the account type. Multiple IRAs from the same decedent may by transferred into a single account.  

Rollovers

Sole spousal beneficiaries may complete a rollover of the inherited account according to the rules of the account type. An inherited qualified retirement plan, such as a 401(k) or 457 plan, may be rolled over into an Inherited IRA by direct rollover only. Once an Inherited IRA is established, it does not allow for rollovers. 

DISTRIBUTION RULES

What should you know about Inherited IRA distributions?

Minimum Distribution Facts

Early Distribution Facts

OTHER INVESTMENTS

ROI is everywhere if you know where to look

No financial advisor knows you better than yourself. With an Inherited IRA, you have the freedom to invest your tax-advantaged retirement funds in the assets you’re most passionate about. 

From real estate to start-ups to small businesses, if you can find it, we will help you fund it.

EDUCATION CENTER

Want to learn more about Inherited IRA accounts?

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Inherited IRAs

Self-Directed IRA Guide

Investor's Guide
To Self-Directed IRAs