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Will IRA beneficiaries see any changes in 2026?

No new rules take effect in 2026, but SECURE 2.0 did clarify a few prior rules:

• The 10-year rule still applies to most non-spouse beneficiaries — they must fully withdraw inherited IRAs within 10 years of the original owner's death.
   
• Spouse beneficiaries can still treat inherited IRAs as their own or delay withdrawals until the original owner would have turned RMD age.