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M
Morton 12
Level 3
December 27, 2025
Question

A 17 year old inherited her father's 401K in 2025. She has taken it out of company and put in an IRA. Father was onlly 59 so no RMDS. What are ther rules for child.

  • December 27, 2025
  • 1 reply
  • 4 views

A 17 year old inherited a portion of her Father's 401K.  She has already put this into an IRA.  Her Father died in 2025.  What are the rules for this IRA.

1 reply

qbteachmt
qbteachmt
Level 15
December 27, 2025

Does "taken it out" mean she took it and handled it herself? Or she had the employer do a rollover IRA for her?

Indirect or direct rollover, in other words. You want to find out if there was withholding.

Also, did you do a web search? I know a lot of the results are AI and can't be trusted. Just put IRS in your search phrase. Such as:

https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-topics-beneficiary

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