I inherited an IRA — what are the rules and how do I minimize taxes? SECURE Act 2
I inherited an IRA — what are the rules and how do I minimize taxes? SECURE Act 2.0 ten-year rule, RMD requirements, spousal options, step-up in basis, and a tax-minimizing distribution strategy by relationship and account type. For wealth and estate agents.
100000 (raw units)
price
1
calls / 30d
1
unique payers
2026-08-20
updated
Provider
wealthpulse.theaslangroupllc.com · discovered, not yet claimed by its owner
Payment (x402 accepts[])
[
{
"scheme": "exact",
"network": "eip155:8453",
"payTo": "0x50ab2018c06c6E4eAA9BA52057Eb55eD284912fc",
"asset": "0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913",
"amount": "100000",
"maxTimeoutSeconds": 300
},
{
"scheme": "exact",
"network": "eip155:8453",
"payTo": "0x50ab2018c06c6E4eAA9BA52057Eb55eD284912fc",
"asset": "0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913",
"amount": "100000",
"maxTimeoutSeconds": 604900
},
{
"scheme": "exact",
"network": "solana:5eykt4UsFv8P8NJdTREpY1vzqKqZKvdp",
"payTo": "985iFjbnGQ3dJcwXnfRCMSrH4Jnc3kW1N6msR64B5KX1",
"asset": "EPjFWdd5AufqSSqeM2qN1xzybapC8G4wEGGkZwyTDt1v",
"amount": "100000",
"maxTimeoutSeconds": 300
},
{
"scheme": "exact",
"network": "eip155:4663",
"payTo": "0x50ab2018c06c6E4eAA9BA52057Eb55eD284912fc",
"asset": "0x5fc5360D0400a0Fd4f2af552ADD042D716F1d168",
"amount": "100000",
"maxTimeoutSeconds": 300
},
{
"scheme": "exact",
"network": "eip155:137",
"payTo": "0x50ab2018c06c6E4eAA9BA52057Eb55eD284912fc",
"asset": "0x3c499c542cEF5E3811e1192ce70d8cC03d5c3359",
"amount": "100000",
"maxTimeoutSeconds": 300
},
{
"scheme": "exact",
"network": "eip155:42161",
"payTo": "0x50ab2018c06c6E4eAA9BA52057Eb55eD284912fc",
"asset": "0xaf88d065e77c8cC2239327C5EDb3A432268e5831",
"amount": "100000",
"maxTimeoutSeconds": 300
},
{
"scheme": "exact",
"network": "eip155:480",
"payTo": "0x50ab2018c06c6E4eAA9BA52057Eb55eD284912fc",
"asset": "0x79A02482A880bCe3F13E09da970dC34dB4cD24D1",
"amount": "100000",
"maxTimeoutSeconds": 300
},
{
"scheme": "exact",
"network": "eip155:143",
"payTo": "0x50ab2018c06c6E4eAA9BA52057Eb55eD284912fc",
"asset": "0x754704Bc059F8C67012fEd69BC8A327a5aafb603",
"amount": "100000",
"maxTimeoutSeconds": 300
},
{
"scheme": "exact",
"network": "eip155:196",
"payTo": "0x50ab2018c06c6E4eAA9BA52057Eb55eD284912fc",
"asset": "0x779ded0c9e1022225f8e0630b35a9b54be713736",
"amount": "100000",
"maxTimeoutSeconds": 300
},
{
"scheme": "exact",
"network": "eip155:999",
"payTo": "0x50ab2018c06c6E4eAA9BA52057Eb55eD284912fc",
"asset": "0xb88339CB7199b77E23DB6E890353E22632Ba630f",
"amount": "100000",
"maxTimeoutSeconds": 300
},
{
"scheme": "exact",
"network": "algorand:wGHE2Pwdvd7S12BL5FaOP20EGYesN73k",
"payTo": "62A253YPATFNJCPRKID3FKD77MYJFNTVRYRP4B4JWG36EGLPY7UXFWGI7I",
"asset": "31566704",
"amount": "100000",
"maxTimeoutSeconds": 300
},
{
"scheme": "exact",
"network": "xrpl:0",
"payTo": "rMnHeutYALco8RYFVcmuU4BCgSzBpPEh32",
"asset": "XRP",
"amount": "100000",
"maxTimeoutSeconds": 300
},
{
"scheme": "exact",
"network": "xrpl:0",
"payTo": "rMnHeutYALco8RYFVcmuU4BCgSzBpPEh32",
"asset": "524C555344000000000000000000000000000000",
"amount": "0.1",
"maxTimeoutSeconds": 300
},
{
"scheme": "exact",
"network": "eip155:56",
"payTo": "0x50ab2018c06c6E4eAA9BA52057Eb55eD284912fc",
"asset": "0x8d0D000Ee44948FC98c9B98A4FA4921476f08B0d",
"amount": "100000000000000000",
"maxTimeoutSeconds": 300
}
]Output schema
{
"bazaar": {
"info": {
"input": {
"method": "GET",
"queryParams": {
"account_type": "traditional",
"relationship": "non-spouse",
"your_age": "45"
},
"type": "http"
},
"output": {
"example": {
"amazon_link": "https://www.amazon.com/s?k=inherited+IRA+rules&tag=pulsenetwork7-20",
"amazon_search": "inherited IRA rules",
"disclaimer": "For informational purposes only. Not tax or legal advice. Inherited IRA rules are complex and the SECURE Act 2.0 introduced significant changes. Consult a CPA or estate planning attorney before taking distributions.",
"inheritor_category": "Non-Eligible Designated Beneficiary",
"key_rules_summary": [
"Account must be fully distributed within 10 years",
"Annual RMDs required within the 10 years since the original owner had already started RMDs",
"No stretch IRA option available"
],
"mistakes_to_avoid": [
"Missing the first RMD deadline",
"Assuming the old stretch-IRA rules still apply"
],
"rmd_requirements": {
"applicable": true,
"calculation_method": "IRS Single Life Expectancy Table",
"first_rmd_deadline": "December 31 of the year after death",
"penalty_for_missing": "25% (reduced to 10% if corrected promptly)"
},
"step_up_in_basis": {
"applies_to": "Not applicable to IRAs",
"explanation": "IRAs do not receive a step-up in basis; distributions remain fully taxable"
},
"tax_planning_opportunities": [
"Take larger distributions in low-income years",
"Consider a Roth conversion ladder before distributions begin"
],
"ten_year_rule": {
"annual_rmd_within_10_years": "Yes — the original owner had already reached RMD age",
"applies": true,
"explanation": "The inherited IRA must be fully emptied by December 31 of the 10th year after death",
"optimal_drawdown_strategy": "Spread distributions evenly to avoid a large tax bill in year 10"
}
},
"type": "json"
}
},
"schema": {
"$schema": "https://json-schema.org/draft/2020-12/schema",
"properties": {
"input": {
"additionalProperties": false,
"properties": {
"method": {
"enum": [
"GET",
"HEAD",
"DELETE"
],
"type": "string"
},
"queryParams": {
"properties": {
"account_type": {
"description": "traditional | roth (default: traditional)",
"type": "string"
},
"balance": {
"description": "150000 (inherited account balance USD)",
"type": "string"
},
"lang": {
"description": "en | es | fr | de | pt",
"type": "string"
},
"original_owner_age": {
"description": "78 (original owner's age at death)",
"type": "string"
},
"relationship": {
"description": "required; also: spouse, minor-child, disabled, chronically-ill, not-more-than-10-years-younger, trust, charity",
"type": "string"
},
"your_age": {
"type": "string"
}
},
"type": "object"
},
"type": {
"const": "http",
"type": "string"
}
},
"required": [
"type",
"method"
],
"type": "object"
},
"output": {
"properties": {
"example": {
"type": "object"
},
"type": {
"type": "string"
}
},
"required": [
"type"
],
"type": "object"
}
},
"required": [
"input"
],
"type": "object"
}
},
"builder-code": {
"info": {
"a": "bc_gxy6qn5p"
},
"schema": {
"$schema": "https://json-schema.org/draft/2020-12/schema",
"additionalProperties": false,
"properties": {
"a": {
"description": "App builder code",
"pattern": "^[a-z0-9_]{1,32}$",
"type": "string"
},
"s": {
"description": "Service builder codes",
"items": {
"pattern": "^[a-z0-9_]{1,32}$",
"type": "string"
},
"type": "array"
},
"w": {
"description": "Wallet builder code",
"pattern": "^[a-z0-9_]{1,32}$",
"type": "string"
}
},
"type": "object"
}
}
}Use it
curl
curl "https://wealthpulse.theaslangroupllc.com/api/wealth/inheritance" # -> 402 Payment Required, accepts[] lists how to pay # retry with a PAYMENT-SIGNATURE (or PAYMENT header) once paid
JavaScript
const res = await fetch("https://wealthpulse.theaslangroupllc.com/api/wealth/inheritance");
if (res.status === 402) {
const { accepts } = await res.json();
// pay one of accepts[] via an x402 client, then retry with the payment header
}Python
import httpx
res = httpx.get("https://wealthpulse.theaslangroupllc.com/api/wealth/inheritance")
if res.status_code == 402:
accepts = res.json()["accepts"]
# pay one of accepts[] via an x402 client, then retry with the payment headerMachine-readable
Everything on this page is also available as clean JSON at /resources/4503.json, and this resource appears in /discovery/resources and /discovery/search.