Inheriting an IRA can feel like discovering a treasure chest… that comes with a 10-year timer and a stack of IRS instructions. With the SECURE Act (2019) and SECURE Act 2.0 (2022–2023 updates), the rules for inherited retirement accounts have changed. Knowing the rules can save you from unnecessary taxes, penalties, or the stress of mismanaging the account. The Basics: What Changed with SECURE and SECURE 2.0 Before 2020, beneficiaries could “stretch” an inherited IRA over the
