Inherited IRA Headaches: How New 2025 IRS Rules Could Cost Your Family Big

The IRS has new 2025 rules for inherited IRAs that could mean big tax bills for families who aren’t prepared. Here’s what’s changing and what steps you can take.

Key Points:

• Beneficiaries now have less time to take withdrawals from inherited IRAs.

• Missing deadlines might lead to penalties or higher taxes.

• Different rules apply to spouses, non-spouse beneficiaries, and minors.

What Families Should Do:

• Review your IRA plans now (especially if you inherited after 2019).

• Talk with your attorney or financial advisor to ensure you’re on track.

• Don’t wait for the next tax season—these new rules are already in effect.

Need help navigating the new IRS requirements? Reach out for a consultation.