If my spouse inherits my IRA, which path has the least tax impact? Should I rollover to my traditional IRA or set up an ...

As long as you take your first RMD by Dec. 31 of the year your wife would have turned 73, you should avoid penalties. At that point, however, RMDs would still be calculated based on your age.

As long as you take your first RMD by Dec. 31 of the year your wife would have turned 73, you should avoid penalties.

Taking the additional distribution from Sam’s IRA should also help reduce his RMD for 2022. Bill Jones is age 81 and remarried 10 years ago after his first wife passed away. He has an IRA worth ...