Can non-spouse rollover inherited IRA?
Andrew Ramirez
Published Mar 19, 2026
Non-spouse beneficiaries cannot roll the inherited IRA into their own IRA, nor can they contribute to an inherited IRA. After January 1, 2020, most non-spouse beneficiaries will have to deplete the inherited IRA within the ten-year payout time frame set forth by the SECURE Act.
Can a non-spouse beneficiary do a 60 day rollover?
Make sure that any assets transfer directly from one account to another or from one IRA custodian to another. There is no option for a 60-day rollover when a nonspouse beneficiary is inheriting IRA assets.
When the owner of an IRA dies and that IRA is inherited by a non-spouse that person must?
Non-spousal beneficiaries must withdraw all funds from an inherited IRA within 10 years of the original owner’s death.
When do nonspouse Inheritors have to withdraw money from Ira?
In the case of a nonspouse inheritor, RMDs are generally required to begin in the year after the year of death. The SECURE Act requires beneficiaries to withdraw all assets from an inherited IRA or 401 (k) plan by December 31 of the 10th year following the IRA owner’s death.
Can a spouse be a beneficiary of an inherited IRA?
Naturally, if your spouse is one of the beneficiaries, the RMD’s to the spouse and your children will be based on the life expectancy of your spouse. This could create a problem for the younger beneficiaries. It will mean that they will have to take withdrawals based on a shorter life expectancy.
Can a non spouse rollover an inherited IRA?
Again, a spouse inheriting an IRA can also do this but a non-spouse beneficiary CANNOT do this type of rollover. As a non-spouse IRA beneficiary, you are only allowed to do a direct transfer to a properly title Inherited IRA without being taxed.
Can a non-spouse beneficiary withdraw from a stretch IRA?
Not every non-spouse beneficiary will be able to do the Stretch IRA. If you ended up with the account via a will, or some provision in the IRA custodial agreement when no beneficiary was expressly named – you will not have the option to take withdrawals over your full lifetime.
