Athene Summer Webinar Series: Non-Spouse Inherited IRAs

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If you have a client who just inherited an IRA, there’s an important question to consider asking: are they aware of the distribution rules that may apply, including the 10-year rule, and how the timing of distributions could affect their taxes?

Join Jay Kautt, Vice President of Advanced Market Sales at Athene, as he reviews the SECURE Act’s final rules on non-spouse inherited IRAs — and shares three key points to help guide conversations with clients:

•  The 10-year rule: Most non-spouse beneficiaries must liquidate the inherited IRA by December 31 of the 10th year after the IRA owner’s death.
• Timing drives taxes: Distributions count as ordinary income — a lump sum can push a beneficiary into a higher bracket, while spreading withdrawals over 10 years helps keep income more level.
• Where Athene fits in: Athene accepts non-spouse inherited IRA business on select products, under certain circumstances, helping add flexibility to align distributions with a client’s broader plan.