I inherited an IRA — what are the rules and how do I minimize taxes?
I inherited an IRA — what are the rules and how do I minimize taxes? SECURE Act 2.0 ten-year rule, RMD requirements, spousal options, step-up in basis, and a tax-minimizing distribution strategy by relationship and account type. For wealth and estate agents.
Answeringour last check, 2026-10-18
1 of 1checks answered this week
243 msmedian answer time
$0.1listed price per call
$0.1price it asked us
Paid test badge: not yet. The checks above are free: we call the tool without paying and read the payment request it sends back. The Verified badge needs paid calls whose answers match the promised output, and nobody can buy a badge.
Endpoint
GET https://wealthpulse.theaslangroupllc.com/api/wealth/inheritance
| Category | Everything else |
|---|---|
| Provider host | wealthpulse.theaslangroupllc.com |
| Networks | algorand:wGHE2Pwdvd7S12BL5FaOP20EGYesN73k, eip155:137, eip155:143, eip155:196, eip155:42161, eip155:4663, eip155:480, eip155:56, eip155:8453, eip155:999, solana:5eykt4UsFv8P8NJdTREpY1vzqKqZKvdp, xrpl:0 |
| Payment schemes | exact |
| Self-reported calls, 30 days | 1 from 1 payers (the provider's figure, not ours) |
Our checks, last 30 days
| Day | Result | HTTP | Asked | Time |
|---|---|---|---|---|
| 2026-10-18 | valid payment request | 402 | $0.1 | 243 ms |
Example input (from the provider)
{
"method": "GET",
"queryParams": {
"account_type": "traditional",
"relationship": "non-spouse",
"your_age": "45"
},
"type": "http"
}
Promised output schema (from the provider)
{
"$schema": "https://json-schema.org/draft/2020-12/schema",
"properties": {
"input": {
"additionalProperties": false,
"properties": {
"method": {
"enum": [
"GET",
"HEAD",
"DELETE"
],
"type": "string"
},
"queryParams": {
"properties": {
"account_type": {
"description": "traditional | roth (default: traditional)",
"type": "string"
},
"balance": {
"description": "150000 (inherited account balance USD)",
"type": "string"
},
"lang": {
"description": "en | es | fr | de | pt",
"type": "string"
},
"original_owner_age": {
"description": "78 (original owner's age at death)",
"type": "string"
},
"relationship": {
"description": "required; also: spouse, minor-child, disabled, chronically-ill, not-more-than-10-years-younger, trust, charity",
"type": "string"
},
"your_age": {
"type": "string"
}
},
"type": "object"
},
"type": {
"const": "http",
"type": "string"
}
},
"required": [
"type",
"method"
],
"type": "object"
},
"output": {
"properties": {
"errors": {
"additionalProperties": {
"properties": {
"description": {
"type": "string"
},
"example": {
"type": "object"
}
},
"required": [
"description"
],
"type": "object"
},
"description": "Documented error responses, keyed by HTTP status code",
"type": "object"
},
"example": {
"type": "object"
},
"type": {
"type": "string"
}
},
"required": [
"type"
],
"type": "object"
}
},
"required": [
"input"
],
"type": "object"
}