I’m 59 and My Sister, Mom and I Just Inherited Both My Deceased Sister’s and Her Partner’s IRAs. Does the 10-year Rule Apply to Us? What Are We Missing?

A reader asks whether the 10-year distribution rule applies to IRAs inherited from their sister, including one their sister had previously inherited from her partner. The author advises that since the rules around inherited IRAs can be complex, it's best to consult a CFP® professional to navigate the specifics and create a personalized distribution plan.

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