can you deduct a spouse death for an early withdrawal from an IRA
However, with a traditional IRA, the account beneficiary can begin taking RMDs based on your age at death or the beneficiary's age. A Roth IRA is funded with after-tax money and generates tax-free earnings if held for five years and until you reach 59 1/2.A beneficiary other than your spouse must withdraw the funds within five years of your death.owever, with a traditional IRA, the account beneficiary can begin taking RMDs based on your age at death or the beneficiary's age. A Roth IRA is funded with after-tax money and generates tax-free earnings if held for five years and until you reach 59 1/2.