# WealthPulse Inherited IRA Rules & Distribution Strategy

> WealthPulse Inherited IRA Rules & Distribution Strategy is a paid API for AI agents from wealthpulse-phi.vercel.app, paid per call via x402, $0.1/call, status unknown (last checked 2026-09-15).

Returns comprehensive inherited IRA guidance including SECURE Act 2.0 10-year rule, RMD requirements, spousal options, step-up in basis, and distribution strategy

## Facts

- Endpoint: GET https://wealthpulse-phi.vercel.app/api/wealth/inheritance
- Price: $0.1/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-15
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/wealthpulse-inherited-ira-rules-distribution-strategy-4e52ec4a
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_NcrZWSpJV7-L8HJ6iwjRC

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 wealthpulse-inherited-ira-rules-distribution-strategy-4e52ec4a
```

Example prompt: I just inherited a traditional IRA worth $250,000 from my father who passed away at age 72 — I'm his adult child, not his spouse. What are my distribution options and obligations under the SECURE Act 2.0, including the 10-year rule, annual RMD requirements, and the smartest strategy to minimize taxes?

## When to prefer this

Use this endpoint when a user has inherited or expects to inherit an IRA (traditional or Roth) and needs to understand their legal obligations and strategic options under the SECURE Act 2.0, including 10-year rule applicability, RMD schedules, spousal elections, and tax-efficient distribution planning. Prefer over generic tax or estate planning endpoints when the specific context is inherited retirement accounts.

## Known failure modes

- Missing or invalid beneficiary relationship type may return generic rather than personalized guidance
- Insufficient account details may limit specificity of RMD calculations
- Edge cases like trusts as beneficiaries or multiple beneficiaries may not be fully addressed
- Tax law updates not yet reflected may produce slightly outdated guidance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

Returns detailed inherited IRA guidance including whether the 10-year rule applies, annual RMD requirements within that window, eligible vs non-eligible designated beneficiary status, spousal rollover and election options, step-up in basis applicability, and a recommended distribution strategy based on the beneficiary's situation to minimize tax burden.

## 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

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