 The rules regarding inherited IRAs changed a few years back with the passing of the SECURE Act, and with the law being updated again in 2022, it's even more important to develop a strategy to help you make the right decisions regarding your retirement accounts. Hi, this is Chuck Zada from the Armstrong Advisory Group. Inheriting money from a spouse is common and will likely be a painless process for you. However, your heirs could be subjected to lofty tax bills if the distribution of your accounts are not coordinated properly, especially if you're inheriting one from someone other than your spouse.