How quickly must my beneficiary(ies) withdraw my Roth IRA assets?
Although your Roth IRA plan documents may specify how quickly your beneficiary(ies) must take distributions from your Roth IRA, when you die, your beneficiary(ies) retain(s) the option to deplete your Roth IRA by the end of the fifth calendar year following your death or to receive payments each year based on the beneficiary’s life expectancy. Your Roth IRA must be distributed by the end of the fifth calendar year following your death, if your beneficiary is not an individual (e.g., a charity, your estate, etc.). To determine the beneficiary distribution options available to your beneficiary(ies), contact your IRA trustee/custodian or your financial advisor.
