Kiegan O'Sullivan's mother, Maeve, died in 2021. Kiegan was named the designated beneficiary of Maeve's Roth IRA. The rules for distributions from an inherited Roth IRA allow for Kiegan to take withdrawals over:
The period Kiegan chooses, but subject to the 10% early distribution penalty if he is under age 59½.
Ten years after the year of Maeve's death.
Maeve's remaining life expectancy.
Kiegan's expected life span.
