Inheritance & Estate

“How do taxes work when I inherit a retirement account?”

CommonDeep Dive · 60 min · $170

Inherited retirement accounts often have tax treatment that depends on the type of account, the relationship to the original owner, and how distributions are taken. In many cases, traditional accounts are taxed when money comes out, while Roth accounts may have different treatment if certain holding and beneficiary conditions are met. The timing and method of withdrawals can also affect reporting and income recognition, especially if the account passes to a spouse, child, or trust. Required distribution rules, beneficiary designations, and any after-tax contributions are common factors that shape the final tax picture. 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.