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Social Security, IRMAA, IRA Beneficiary, and the Roth 5-Year Rule: Q&A #2519

The Retirement and IRA Show

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Navigating Survivor and Inherited Benefits

This chapter explores the intricacies of survivor and spousal benefits under Social Security, detailing qualifying periods for these benefits. It also offers insight into inherited Roth IRAs, focusing on the specific rules for non-spouse beneficiaries and tax implications based on the timing of withdrawals. With practical examples and a layered cake analogy, the discussion clarifies the complex tax obligations and strategies for accessing funds without penalties.

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