Reply To: Inherited IRA and QCD Age of Beneficiary

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#3284
Alan S.
Participant

Yes, that is correct. She can do a QCD from the inherited IRA, but not until she herself reaches 70.5. Hope she is calculating her beneficiary RMD correctly since there are several possible factors that come into play. The most basic is that she cannot use her own age, but must continue the RMD schedule of the parent and must reduce that divisor by 1.0 each year. The other question is whether the parent was using the correct divisors.