Inherited an IRA? The Rules Every Gen Xer Needs to Know

If you inherited an IRA from a parent, one wrong move could trigger one of the largest tax bills of your life, and most Gen Xers don’t realize the rules have changed until it’s too late.

In this video, Andrew Rafal, Founder of Bayntree Wealth Advisors, breaks down exactly what you need to know about inherited IRAs, including the new 10-year rule, the biggest mistakes we see people make, and how to turn a stressful inheritance into a smart, tax-aware decision instead of a financial regret.

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If you’re a Gen Xer who inherited an IRA (or expect to), this video walks you through:

✔️ The 3 critical questions that determine your inherited IRA rules

✔️ The biggest do’s and don’ts that can quietly explode your tax bill

✔️ Why waiting until year 10 is one of the most expensive mistakes

✔️ Whether you’re required to take annual RMDs (and why this trips people up)

✔️ What to do in the first 30 days after inheriting an IRA