Recently, I was speaking with a client and his wife about an inherited IRA. The husband had inherited a retirement account from a parent, and they were trying to understand what to do next. They knew about the 10-year rule. Their understanding was simple: They had 10 years to empty the account, so perhaps they could leave the money invested and deal with the withdrawals later. It's an understandable assumption. But here's what I explained. Having 10 years to empty an inherite

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