What happens to my Self-Directed IRA when I die?
Your IRA assets pass to your designated beneficiaries. They can inherit the account as an Inherited IRA and may continue holding alternative assets like real estate or notes — as long as they follow IRS rules.
Key considerations:
- Most non-spouse beneficiaries must withdraw all funds within 10 years (SECURE Act)
- Spouses may treat the IRA as their own or inherit
- A trust can also be named, but adds complexity and should be set up carefully
We recommend reviewing beneficiary designations annually and consulting an estate planner.
Setup your ultimate Retirement Machine!
Mountain West IRA offer a variety of retirement plans for individuals and small business owners.
Building wealth can be difficult, but our knowledgeable staff is dedicated to serving as your primary source for financial education, enabling you to make informed self-directed asset purchasing decisions.
