Roth iras do not have a Required Beginning Date. This is because a roth ira is not subject to a minimum distribution requirement during the lifetime of that ira account holder.
An inherited ira is referred to as a stretch ira because the beneficiary can “stretch” out the benefits. The ira withdrawals can be “stretched” and most of the taxes on those withdrawals can be “stretched” or deferred for an extended period of time. If managed properly, this “extended period” of time can be over the lifetime of the beneficiary.
To help ensure the success of setting up and managing your stretch ira, make sure your financial institution has experience in working with a stretch ira. Keep in mind that not all banks or other financial institutions have this knowledge and experience. It make be best to work with a financial advisor and have them find a financial institution for you, and then work directly with that institution.