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Most people focus on the size of the inheritance, not the structure behind it. The 10-year rule changed how beneficiaries use inherited IRAs, and the tax impact often comes down to how withdrawals are paced over that window. If distributions are left until the final year, the added income can push someone into a higher bracket quickly. A steadier withdrawal approach may give beneficiaries more flexibility to manage the tax impact, rebuild those dollars in their own accounts, and reduce the chanc
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