{"id":4231,"date":"2026-11-02T16:37:57","date_gmt":"2026-11-02T22:37:57","guid":{"rendered":"https:\/\/www.connerash.com\/blog\/?p=4231"},"modified":"2026-11-02T16:37:57","modified_gmt":"2026-11-02T22:37:57","slug":"reasons-to-leave-heirs-a-roth-ira","status":"publish","type":"post","link":"https:\/\/www.connerash.com\/blog\/reasons-to-leave-heirs-a-roth-ira\/","title":{"rendered":"Reasons to Leave Heirs a Roth IRA"},"content":{"rendered":"<div class=\"wp-block-image\">\n<figure class=\"alignright size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"1000\" src=\"https:\/\/www.connerash.com\/blog\/wp-content\/uploads\/2026\/11\/Reasons_to_Leave_Heirs_a_Roth_IRA.jpg\" alt=\"\" class=\"wp-image-4232\" style=\"width:360px;height:auto\" srcset=\"https:\/\/www.connerash.com\/blog\/wp-content\/uploads\/2026\/11\/Reasons_to_Leave_Heirs_a_Roth_IRA.jpg 1000w, https:\/\/www.connerash.com\/blog\/wp-content\/uploads\/2026\/11\/Reasons_to_Leave_Heirs_a_Roth_IRA-150x150.jpg 150w, https:\/\/www.connerash.com\/blog\/wp-content\/uploads\/2026\/11\/Reasons_to_Leave_Heirs_a_Roth_IRA-300x300.jpg 300w, https:\/\/www.connerash.com\/blog\/wp-content\/uploads\/2026\/11\/Reasons_to_Leave_Heirs_a_Roth_IRA-768x768.jpg 768w, https:\/\/www.connerash.com\/blog\/wp-content\/uploads\/2026\/11\/Reasons_to_Leave_Heirs_a_Roth_IRA-100x100.jpg 100w\" sizes=\"auto, (max-width: 767px) 89vw, (max-width: 1000px) 54vw, (max-width: 1071px) 543px, 580px\" \/><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\">A Roth IRA can be a powerful tool for passing wealth to heirs and strengthening their financial future. Here&#8217;s why.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Roth IRA owners face no lifetime RMDs, unlike traditional IRA owners who must begin at age 73, so the account can keep growing tax-free for as long as the owner lives. After inheritance, most nonspouse beneficiaries who are not eligible designated beneficiaries (EDBs) must empty the account within 10 years under SECURE Act rules. Because withdrawals are tax-free and no annual RMDs apply in years 1\u20139, heirs can choose their timing. EDBs\u2014surviving spouses, the owner&#8217;s minor children, disabled or chronically ill individuals, and those not more than 10 years younger\u2014can often stretch distributions over life expectancy. Contributions can be withdrawn anytime, tax- and penalty-free.<\/li>\n\n\n\n<li>Unlike traditional IRAs, where beneficiaries* may face income taxes on withdrawals, a Roth IRA generally allows heirs to take qualified distributions (both contributions and earnings) taxfree, provided the original owner&#8217;s five-year holding period has been met.<\/li>\n\n\n\n<li>A Roth IRA also diversifies your heirs&#8217; tax situation, giving them a source of funds that won&#8217;t increase their taxable income down the line.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><em><sub>*For beneficiaries, the five-year period runs from the original owner&#8217;s first contribution; the owner&#8217;s death itself qualifies the distribution.<\/sub><\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>A Roth IRA can be a powerful tool for passing wealth to heirs and strengthening their financial future. Here&#8217;s why. *For beneficiaries, the five-year period runs from the original owner&#8217;s first contribution; the owner&#8217;s death itself qualifies the distribution.<\/p>\n","protected":false},"author":3,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"footnotes":""},"categories":[39,86],"tags":[],"class_list":["post-4231","post","type-post","status-publish","format-standard","hentry","category-newletters","category-roth-ira"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Reasons to Leave Heirs a Roth IRA - Conner Ash<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.connerash.com\/blog\/reasons-to-leave-heirs-a-roth-ira\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Reasons to Leave Heirs a Roth IRA - Conner Ash\" \/>\n<meta property=\"og:description\" content=\"A Roth IRA can be a powerful tool for passing wealth to heirs and strengthening their financial future. Here&#8217;s why. *For beneficiaries, the five-year period runs from the original owner&#8217;s first contribution; the owner&#8217;s death itself qualifies the distribution.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.connerash.com\/blog\/reasons-to-leave-heirs-a-roth-ira\/\" \/>\n<meta property=\"og:site_name\" content=\"Conner Ash\" \/>\n<meta property=\"article:published_time\" content=\"2026-11-02T22:37:57+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.connerash.com\/blog\/wp-content\/uploads\/2026\/11\/Reasons_to_Leave_Heirs_a_Roth_IRA.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1000\" \/>\n\t<meta property=\"og:image:height\" content=\"1000\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Suzanne Watson\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Suzanne Watson\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.connerash.com\\\/blog\\\/reasons-to-leave-heirs-a-roth-ira\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.connerash.com\\\/blog\\\/reasons-to-leave-heirs-a-roth-ira\\\/\"},\"author\":{\"name\":\"Suzanne Watson\",\"@id\":\"https:\\\/\\\/www.connerash.com\\\/blog\\\/#\\\/schema\\\/person\\\/2981787dac46b1dabe881c3f3d1cb3f0\"},\"headline\":\"Reasons to Leave Heirs a Roth IRA\",\"datePublished\":\"2026-11-02T22:37:57+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.connerash.com\\\/blog\\\/reasons-to-leave-heirs-a-roth-ira\\\/\"},\"wordCount\":214,\"image\":{\"@id\":\"https:\\\/\\\/www.connerash.com\\\/blog\\\/reasons-to-leave-heirs-a-roth-ira\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.connerash.com\\\/blog\\\/wp-content\\\/uploads\\\/2026\\\/11\\\/Reasons_to_Leave_Heirs_a_Roth_IRA.jpg\",\"articleSection\":[\"Newsletters\",\"Roth IRA\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.connerash.com\\\/blog\\\/reasons-to-leave-heirs-a-roth-ira\\\/\",\"url\":\"https:\\\/\\\/www.connerash.com\\\/blog\\\/reasons-to-leave-heirs-a-roth-ira\\\/\",\"name\":\"Reasons to Leave Heirs a Roth IRA - Conner Ash\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.connerash.com\\\/blog\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.connerash.com\\\/blog\\\/reasons-to-leave-heirs-a-roth-ira\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.connerash.com\\\/blog\\\/reasons-to-leave-heirs-a-roth-ira\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.connerash.com\\\/blog\\\/wp-content\\\/uploads\\\/2026\\\/11\\\/Reasons_to_Leave_Heirs_a_Roth_IRA.jpg\",\"datePublished\":\"2026-11-02T22:37:57+00:00\",\"author\":{\"@id\":\"https:\\\/\\\/www.connerash.com\\\/blog\\\/#\\\/schema\\\/person\\\/2981787dac46b1dabe881c3f3d1cb3f0\"},\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.connerash.com\\\/blog\\\/reasons-to-leave-heirs-a-roth-ira\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.connerash.com\\\/blog\\\/reasons-to-leave-heirs-a-roth-ira\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.connerash.com\\\/blog\\\/reasons-to-leave-heirs-a-roth-ira\\\/#primaryimage\",\"url\":\"https:\\\/\\\/www.connerash.com\\\/blog\\\/wp-content\\\/uploads\\\/2026\\\/11\\\/Reasons_to_Leave_Heirs_a_Roth_IRA.jpg\",\"contentUrl\":\"https:\\\/\\\/www.connerash.com\\\/blog\\\/wp-content\\\/uploads\\\/2026\\\/11\\\/Reasons_to_Leave_Heirs_a_Roth_IRA.jpg\",\"width\":1000,\"height\":1000,\"caption\":\"legal will and inheritance 3d isometric vector illustration concept for banner, website, landing page, ads, flyer template\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.connerash.com\\\/blog\\\/reasons-to-leave-heirs-a-roth-ira\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.connerash.com\\\/blog\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Reasons to Leave Heirs a Roth IRA\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.connerash.com\\\/blog\\\/#website\",\"url\":\"https:\\\/\\\/www.connerash.com\\\/blog\\\/\",\"name\":\"Conner Ash\",\"description\":\"\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.connerash.com\\\/blog\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.connerash.com\\\/blog\\\/#\\\/schema\\\/person\\\/2981787dac46b1dabe881c3f3d1cb3f0\",\"name\":\"Suzanne Watson\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/99b3890c91abd2b78da7fea563a1b195b11e45ef03fe39d1330d72a70dc406b8?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/99b3890c91abd2b78da7fea563a1b195b11e45ef03fe39d1330d72a70dc406b8?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/99b3890c91abd2b78da7fea563a1b195b11e45ef03fe39d1330d72a70dc406b8?s=96&d=mm&r=g\",\"caption\":\"Suzanne Watson\"},\"url\":\"https:\\\/\\\/www.connerash.com\\\/blog\\\/author\\\/swatsonconnerash-com\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Reasons to Leave Heirs a Roth IRA - Conner Ash","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.connerash.com\/blog\/reasons-to-leave-heirs-a-roth-ira\/","og_locale":"en_US","og_type":"article","og_title":"Reasons to Leave Heirs a Roth IRA - Conner Ash","og_description":"A Roth IRA can be a powerful tool for passing wealth to heirs and strengthening their financial future. Here&#8217;s why. *For beneficiaries, the five-year period runs from the original owner&#8217;s first contribution; the owner&#8217;s death itself qualifies the distribution.","og_url":"https:\/\/www.connerash.com\/blog\/reasons-to-leave-heirs-a-roth-ira\/","og_site_name":"Conner Ash","article_published_time":"2026-11-02T22:37:57+00:00","og_image":[{"width":1000,"height":1000,"url":"https:\/\/www.connerash.com\/blog\/wp-content\/uploads\/2026\/11\/Reasons_to_Leave_Heirs_a_Roth_IRA.jpg","type":"image\/jpeg"}],"author":"Suzanne Watson","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Suzanne Watson","Est. reading time":"2 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.connerash.com\/blog\/reasons-to-leave-heirs-a-roth-ira\/#article","isPartOf":{"@id":"https:\/\/www.connerash.com\/blog\/reasons-to-leave-heirs-a-roth-ira\/"},"author":{"name":"Suzanne Watson","@id":"https:\/\/www.connerash.com\/blog\/#\/schema\/person\/2981787dac46b1dabe881c3f3d1cb3f0"},"headline":"Reasons to Leave Heirs a Roth IRA","datePublished":"2026-11-02T22:37:57+00:00","mainEntityOfPage":{"@id":"https:\/\/www.connerash.com\/blog\/reasons-to-leave-heirs-a-roth-ira\/"},"wordCount":214,"image":{"@id":"https:\/\/www.connerash.com\/blog\/reasons-to-leave-heirs-a-roth-ira\/#primaryimage"},"thumbnailUrl":"https:\/\/www.connerash.com\/blog\/wp-content\/uploads\/2026\/11\/Reasons_to_Leave_Heirs_a_Roth_IRA.jpg","articleSection":["Newsletters","Roth IRA"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/www.connerash.com\/blog\/reasons-to-leave-heirs-a-roth-ira\/","url":"https:\/\/www.connerash.com\/blog\/reasons-to-leave-heirs-a-roth-ira\/","name":"Reasons to Leave Heirs a Roth IRA - Conner Ash","isPartOf":{"@id":"https:\/\/www.connerash.com\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.connerash.com\/blog\/reasons-to-leave-heirs-a-roth-ira\/#primaryimage"},"image":{"@id":"https:\/\/www.connerash.com\/blog\/reasons-to-leave-heirs-a-roth-ira\/#primaryimage"},"thumbnailUrl":"https:\/\/www.connerash.com\/blog\/wp-content\/uploads\/2026\/11\/Reasons_to_Leave_Heirs_a_Roth_IRA.jpg","datePublished":"2026-11-02T22:37:57+00:00","author":{"@id":"https:\/\/www.connerash.com\/blog\/#\/schema\/person\/2981787dac46b1dabe881c3f3d1cb3f0"},"breadcrumb":{"@id":"https:\/\/www.connerash.com\/blog\/reasons-to-leave-heirs-a-roth-ira\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.connerash.com\/blog\/reasons-to-leave-heirs-a-roth-ira\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.connerash.com\/blog\/reasons-to-leave-heirs-a-roth-ira\/#primaryimage","url":"https:\/\/www.connerash.com\/blog\/wp-content\/uploads\/2026\/11\/Reasons_to_Leave_Heirs_a_Roth_IRA.jpg","contentUrl":"https:\/\/www.connerash.com\/blog\/wp-content\/uploads\/2026\/11\/Reasons_to_Leave_Heirs_a_Roth_IRA.jpg","width":1000,"height":1000,"caption":"legal will and inheritance 3d isometric vector illustration concept for banner, website, landing page, ads, flyer template"},{"@type":"BreadcrumbList","@id":"https:\/\/www.connerash.com\/blog\/reasons-to-leave-heirs-a-roth-ira\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.connerash.com\/blog\/"},{"@type":"ListItem","position":2,"name":"Reasons to Leave Heirs a Roth IRA"}]},{"@type":"WebSite","@id":"https:\/\/www.connerash.com\/blog\/#website","url":"https:\/\/www.connerash.com\/blog\/","name":"Conner Ash","description":"","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.connerash.com\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/www.connerash.com\/blog\/#\/schema\/person\/2981787dac46b1dabe881c3f3d1cb3f0","name":"Suzanne Watson","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/secure.gravatar.com\/avatar\/99b3890c91abd2b78da7fea563a1b195b11e45ef03fe39d1330d72a70dc406b8?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/99b3890c91abd2b78da7fea563a1b195b11e45ef03fe39d1330d72a70dc406b8?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/99b3890c91abd2b78da7fea563a1b195b11e45ef03fe39d1330d72a70dc406b8?s=96&d=mm&r=g","caption":"Suzanne Watson"},"url":"https:\/\/www.connerash.com\/blog\/author\/swatsonconnerash-com\/"}]}},"_links":{"self":[{"href":"https:\/\/www.connerash.com\/blog\/wp-json\/wp\/v2\/posts\/4231","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.connerash.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.connerash.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.connerash.com\/blog\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/www.connerash.com\/blog\/wp-json\/wp\/v2\/comments?post=4231"}],"version-history":[{"count":1,"href":"https:\/\/www.connerash.com\/blog\/wp-json\/wp\/v2\/posts\/4231\/revisions"}],"predecessor-version":[{"id":4233,"href":"https:\/\/www.connerash.com\/blog\/wp-json\/wp\/v2\/posts\/4231\/revisions\/4233"}],"wp:attachment":[{"href":"https:\/\/www.connerash.com\/blog\/wp-json\/wp\/v2\/media?parent=4231"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.connerash.com\/blog\/wp-json\/wp\/v2\/categories?post=4231"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.connerash.com\/blog\/wp-json\/wp\/v2\/tags?post=4231"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}