# Inherited IRA Rules & Tax-Minimization Strategy > Inherited IRA Rules & Tax-Minimization Strategy is a paid API for AI agents from wealthpulse.theaslangroupllc.com, paid per call via x402, $0.1/call, status unknown (last checked 2026-09-14). Returns a personalized guide to inherited IRA rules under SECURE Act 2.0, including the 10-year rule, RMD requirements, spousal options, step-up in basis, and a tax-minimizing distribution strategy based on beneficiary relationship and account type. ## Facts - Endpoint: GET https://wealthpulse.theaslangroupllc.com/api/wealth/inheritance - Price: $0.1/call - Payment: x402 - Status: unknown - Last checked: 2026-09-14 - Activations on Zero: 0 - Tags: x402 - Canonical page: https://www.zero.xyz/c/inherited-ira-rules-tax-minimization-strategy-6967d784 - Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_Raz7QlGv6_k3VSo6k625S Status and success rate cover calls made through Zero and Zero's own probes. Third-party monitors may report differently. ## How to call it through Zero Zero handles the 402 payment challenge and records the run. With the Zero CLI installed (`npm i -g @zeroxyz/cli`): ```sh zero fetch --capability inherited-ira-rules-tax-minimization-strategy-6967d784 ``` Example prompt: I just inherited a traditional IRA from my father — I'm his adult child, not his spouse — the account has about $180,000, and he was 74 when he passed. Walk me through the SECURE Act 2.0 10-year rule, whether I have annual RMDs, and give me a strategy to minimize my tax hit over the distribution period. ## When to prefer this Use this endpoint when a user has just inherited an IRA and needs actionable guidance on SECURE Act 2.0 compliance, RMD obligations, and a tax-minimizing drawdown strategy. Ideal for wealth and estate planning agents helping beneficiaries navigate the complex post-SECURE 2.0 inherited IRA landscape, especially when the relationship type and account type are known. ## Known failure modes - Missing or ambiguous beneficiary relationship may result in generic guidance rather than personalized strategy - Unsupported account type (e.g. 401k, 403b) may return out-of-scope notice - Incomplete decedent age information may prevent accurate RMD calculation - Regulatory changes post-knowledge cutoff may not be reflected in guidance ## How this service works I inherited an IRA — what are the rules and how do I minimize taxes? SECURE Act 2.0 ten-year rule, RMD requirements, spousal options, step-up in basis, and a tax-minimizing distribution strategy by relationship and account type. For wealth and estate agents. ## Output A structured guide covering: applicability of the SECURE Act 2.0 10-year rule, annual RMD requirements (or lack thereof) based on whether the decedent had reached their required beginning date, spousal rollover and election options, step-up in basis considerations, and a ranked distribution strategy tailored to the beneficiary's relationship to the decedent and account type (Traditional vs Roth). ## Request schema (JSON Schema) ```json { "type": "object", "$schema": "https://json-schema.org/draft/2020-12/schema", "required": [ "input" ], "properties": { "input": { "type": "object", "required": [ "type", "method" ], "properties": { "type": { "type": "string", "const": "http" }, "method": { "enum": [ "GET", "HEAD", "DELETE" ], "type": "string" }, "queryParams": { "type": "object", "properties": { "lang": { "type": "string", "description": "en | es | fr | de | pt" }, "balance": { "type": "string", "description": "150000 (inherited account balance USD)" }, "your_age": { "type": "string" }, "account_type": { "type": "string", "description": "traditional | roth (default: traditional)" }, "relationship": { "type": "string", "description": "required; also: spouse, minor-child, disabled, chronically-ill, not-more-than-10-years-younger, trust, charity" }, "original_owner_age": { "type": "string", "description": "78 (original owner's age at death)" } } } }, "additionalProperties": false }, "output": { "type": "object", "required": [ "type" ], "properties": { "type": { "type": "string" }, "errors": { "type": "object", "description": "Documented error responses, keyed by HTTP status code", "additionalProperties": { "type": "object", "required": [ "description" ], "properties": { "example": { "type": "object" }, "description": { "type": "string" } } } }, "example": { "type": "object" } } } } } ``` ## Response schema (JSON Schema) ```json { "type": "json", "example": { "disclaimer": "For informational purposes only. Not tax or legal advice. Inherited IRA rules are complex and the SECURE Act 2.0 introduced significant changes. Consult a CPA or estate planning attorney before taking distributions.", "amazon_link": "https://www.amazon.com/s?k=inherited+IRA+rules&tag=pulsenetwork7-20", "amazon_search": "inherited IRA rules", "ten_year_rule": { "applies": true, "explanation": "The inherited IRA must be fully emptied by December 31 of the 10th year after death", "optimal_drawdown_strategy": "Spread distributions evenly to avoid a large tax bill in year 10", "annual_rmd_within_10_years": "Yes — the original owner had already reached RMD age" }, "rmd_requirements": { "applicable": true, "calculation_method": "IRS Single Life Expectancy Table", "first_rmd_deadline": "December 31 of the year after death", "penalty_for_missing": "25% (reduced to 10% if corrected promptly)" }, "step_up_in_basis": { "applies_to": "Not applicable to IRAs", "explanation": "IRAs do not receive a step-up in basis; distributions remain fully taxable" }, "key_rules_summary": [ "Account must be fully distributed within 10 years", "Annual RMDs required within the 10 years since the original owner had already started RMDs", "No stretch IRA option available" ], "mistakes_to_avoid": [ "Missing the first RMD deadline", "Assuming the old stretch-IRA rules still apply" ], "inheritor_category": "Non-Eligible Designated Beneficiary", "tax_planning_opportunities": [ "Take larger distributions in low-income years", "Consider a Roth conversion ladder before distributions begin" ] } } ``` ## More - Live health (JSON, refreshed every minute): https://www.zero.xyz/c/inherited-ira-rules-tax-minimization-strategy-6967d784/health.json - [Zero catalog index](https://www.zero.xyz/llms.txt) - [Other services from wealthpulse.theaslangroupllc.com](https://www.zero.xyz/host/wealthpulse.theaslangroupllc.com/llms.txt)