A Widow Who Inherits Her 68-Year-Old Husband’s $1 Million IRA Doesn’t Owe an RMD Until the Year He Would Have Turned 73. Roll It Into Her Own IRA at 74 and the Withdrawals Start Immediately, and the Brokerage Form Defaults to the Rollover

A 74-year-old widow could face years of forced withdrawals, higher Medicare premiums and a larger tax bill depending on which option she selects on her custodian’s claim form. The article says her late husband’s birthday would have spared her that outcome, but provides no dollar amounts or further details.