Inheritance & Estate

“Do I have to pay taxes on a retirement account I inherited?”

CommonDeep Dive · 60 min · $170

Inherited retirement accounts often have tax implications, but the outcome usually depends on the type of account, whether it was pre-tax or Roth, and how the distributions are taken. In many cases, inherited traditional retirement funds are treated differently from inherited Roth funds, and the timing and method of withdrawals can affect the reporting. The beneficiary’s relationship to the original owner, the account documents, and any estate or trust involvement can also matter. Because the tax treatment varies with the facts, the answer is often tied to the specific account and distribution pattern. Sitting down with a CPA for thirty minutes is usually enough to draw a clean line on this.

In your 60-minute session, the KGOB advisor handling it will:

Read your exact situation and tell you, in plain English, what’s actually going on.
Lay out your options and the trade-offs — no jargon, no judgment.
Give you a clear next step you can act on, whether that’s with us or on your own.